| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 300 SUMMERS STREET, STE 650 CHARLESTON, WV 25301 | HIGHMARK | $162K | — | $162K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 WEST FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | DELTA DENTAL PLAN OF ARKANSAS | $18K | — | $18K | 2.84% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MA 55402 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT, STE 200 RALEIGH, NC 27604 | USABLE LIFE | $48K | — | $48K | 10.00% |
| TAYLOR, JOHN3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $1K | — | $1K | 0.31% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD ST 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $298 | — | $298 | 0.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 11.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 8.09% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $314 | $2K | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1500 RIVERFRONT DR LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY | $14K | $3K | $17K | 8.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY | $1K | $287 | $2K | 0.81% |
| JERRY DUNCAN3 | 6814 W SHADOW VALLEY RD ROGERS, AR 727588160 | VISION SERVICE PLAN | $16K | — | $16K | 8.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM INSURANCE COMPANY | $42 | — | $42 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 730 | $5.8M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,918 | $640K |
| Vision(2 contracts, 2 carriers) | HIGHMARK | 1,207 | $6.0M |
| Life insurance | USABLE LIFE | 1,900 | $480K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 847 | $214K |
| Prescription drug | HIGHMARK | 730 | $5.8M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 1,900 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,918 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.