| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 4.59% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC | 333 E. MAIN ST. STE 100, LOUISVILLE, KY 40202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| 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 | $21K | — | $21K | 13.85% |
| 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 | $20K | — | $20K | 13.80% |
| 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 | $3K | — | $3K | 9.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.18% |
| 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 | $4K | — | $4K | 13.86% |
| 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 | $3K | — | $3K | 13.81% |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,210 | $571K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,210 | $571K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $143K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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.