| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | HEALTH ADVANTAGE | $25K | — | $25K | 2.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 4.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | USABLE LIFE | $3K | $435 | $4K | 6.48% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $788 | — | $788 | 1.43% |
| MCCALL, MARTIN3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $233 | $11 | $244 | 0.44% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $87 | — | $87 | 0.16% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $71 | — | $71 | 0.13% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $47 | $1 | $48 | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $365 | $2K | 9.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| WOLFF GUY0 | PO BOX 80324 CHARLESTON, SC 29416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 7.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 7.05% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 156 | $865K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 164 | $58K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $22K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 179 | $78K |
| Short-term disability | USABLE LIFE | 175 | $55K |
| Long-term disability | USABLE LIFE | 175 | $55K |
| Prescription drug | HEALTH ADVANTAGE | 156 | $865K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 179 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.