| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $11K | $25K | 13.33% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 7.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $8K | $18K | 13.11% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 7.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 15.83% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.98% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL | $4K | — | $4K | 6.49% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | DELTA DENTAL | $3K | — | $3K | 4.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.66% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.75% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 14.01% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. LITTLE ROCK, AR 72201 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $364K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 | Insurance agents and brokers; Consulting (general) Service code 16 | — | $0 |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 948 | $277K |
| Vision | DELTA DENTAL | 799 | $62K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $187K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.