| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY INC | 1501 N. UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | UNITEDHEATLHCARE INSURANCE COMPANY | — | $21K | $21K | 3.08% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY INC | 1501 N. UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | UNITEDHEATLHCARE INSURANCE COMPANY | — | $400 | $400 | 0.06% |
| WURTZ AGENCY DBA MWA3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 10.01% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.04% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.37% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $961 | — | $961 | 2.75% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $64 | — | $64 | 0.18% |
| CONNIE RAYLENE HOUK AVERY3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.45% |
| WILLIAM ANDREW MENARD3 | 1501 N. UNIVERSITY AVE LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | — | $777 | 3.28% |
| WILLIAM ANDREW MENARD3 | 3105 OVERBROOK CIRCLE NORTH LITTLE ROCK, AR 72116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 1.00% |
| DWAYNE C. LORENZ3 | P.O. BOX 985 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.15% |
| JOSEPH NISWONGER3 | 787 VAIL DR. JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.14% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD. 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DR. CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATLHCARE INSURANCE COMPANY | 137 | $682K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 160 | $37K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $35K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $59K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $35K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
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.