| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL | $46K | — | $46K | 10.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1465 E. JOYCE BLVD, SUITE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | $16K | $5K | $22K | 13.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1465 E. JOYCE BLVD, SUITE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | $11K | $3K | $15K | 13.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VSP | $4K | — | $4K | 4.38% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DR, SUITE 200 LITTLE ROCK, AR 72202 | VSP | $227 | — | $227 | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1465 E. JOYCE BLVD, SUITE 205 FAYETTEVILLE, AR 72703 | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | $2K | $1K | $4K | 15.63% |
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 | 1,203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,203 | $445K |
| Vision | VSP | 620 | $99K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | 450 | $165K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | 175 | $114K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA / CIGNA | 400 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.