| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 5.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.26% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 13.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.12% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $227 | — | $227 | 0.79% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | — | $209 | 0.77% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 1.18% |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $371 | — | $371 | — |
| INSGROUP INC3 Filed as: ONB INSURANCE GROUP INC D | PO BOX 1705 FORT WAYNE, IN 46801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | — |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,207 | $556K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,207 | $556K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 765 | $154K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $0 |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 765 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.