| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $5K | — | $5K | 14.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $2K | $138 | $2K | 6.10% |
| SONYA GEORGE5 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $2K | $18 | $2K | 5.08% |
| MARIA VANDYKE2 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $205 | $3 | $208 | 0.56% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $168 | — | $168 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 14.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600063009 | USABLE LIFE | $1K | $187 | $1K | 6.71% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $1K | $25 | $1K | 5.16% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $118 | $4 | $122 | 0.57% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $97 | — | $97 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC2 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 14.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $996 | $151 | $1K | 6.03% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $946 | $20 | $966 | 5.08% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $104 | $3 | $107 | 0.56% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $85 | — | $85 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC1 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $540 | — | $540 | 7.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | USABLE LIFE | $177 | — | $177 | 2.47% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $72 | — | $72 | 1.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $10 | — | $10 | 0.14% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 27.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 28.74% |
| GALLAGHER BENEFIT SERVICES, INC.2 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 26.22% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $549 | — | $549 | 14.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $217 | $34 | $251 | 6.59% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $191 | $5 | $196 | 5.14% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $21 | $1 | $22 | 0.58% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $17 | — | $17 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $667 | — | $667 | 18.61% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $423 | — | $423 | 11.80% |
| LISA YANDELL3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $53 | — | $53 | 1.48% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $46 | — | $46 | 1.28% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 1.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $651 | — | $651 | 18.61% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $412 | — | $412 | 11.77% |
| LISA YANDELL3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $52 | — | $52 | 1.49% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $45 | — | $45 | 1.29% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $37 | — | $37 | 1.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $320 | — | $320 | 14.02% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $221 | — | $221 | 9.68% |
| LISA YANDELL3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $28 | — | $28 | 1.23% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $24 | — | $24 | 1.05% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $20 | — | $20 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS & BLUE SHIELDS EIN 71-0226428 CLAIMS PROCESSER | Claims processing Service code 12 | — | $172K |
| MCGRIFF INSURANCE SERVICES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | $14K |
| SONYA GEORGE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | $5K |
| GALLAGHER BENEFIT SERVICES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | $5K |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 156 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 166 | $96K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 136 | $23K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 156 | $1.4M |
| Other(11 contracts, 2 carriers) | USABLE LIFE | 190 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.