| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $46K | $46K | 4.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | TRANSAMERICA LIFE INSURANCE COMPANY | $70K | — | $70K | 57.18% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST 10TH FL CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 14.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $438 | — | $438 | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST 10TH FL CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $746 | — | $746 | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 8.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 8.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $140 | — | $140 | 1.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $157 | — | $157 | 1.41% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 170 | $1.0M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 181 | $47K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 164 | $22K |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 250 | $145K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 250 | $224K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $56K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 170 | $1.0M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 250 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.