| 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 | QUALCHOICE HEALTH INSURANCE | $14K | — | $14K | 2.34% |
| WURTZ AGENCY DBA MWA3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 9.35% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $167 | $2K | 5.91% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $130 | $2K | 5.33% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $185 | $1K | 3.74% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $468 | $146 | $614 | 1.93% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD. 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | — | $705 | 4.32% |
| WILLIAM ANDREW MENARD3 | 1501 N. UNIVERSITY AVE STE 268 LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | — | $349 | 2.14% |
| CONNIE RAYLENE HOUK AVERY3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 1.81% |
| WILLIAM ANDREW MENARD3 | 3405 BUNKER HILL DR. NORTH LITTLE ROCK, AR 72116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.22% |
| JOSEPH NISWONGER3 | 787 VAIL DR. JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| DWAYNE C. LORENZ3 | P.O. BOX 985 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DR. CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 84 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUALCHOICE HEALTH INSURANCE | 110 | $617K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 128 | $33K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $32K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $48K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $32K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.