| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 14650E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $918 | — | $918 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92 | — | $92 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE ADMINISTRATORS NONE | Claims processing Service code 12 | 516 E MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | $390K |
| WEHCO MEDIA INC., & SUBSIDIARIES NONE | Consulting (general) Service code 16 | 1465 E JOYCE BLVD STE 205 FAYETTEVILLE, AR 72203 | $55K |
| LANDMARK CPAS NONE | Accounting (including auditing) Service code 10 | 201 E MARKHAM SUITE 500 LITTLE ROCK, AR 72201 | $10K |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 931 | $528K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.