| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS,INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $780 | — | $780 | 14.91% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $52 | — | $52 | 0.99% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.13% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 C/O AR BLUE CROSS BLUE SHIELD FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF, A MARSH & MCLENNAN AGENCY EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | 7701 AIRPORT CENTER, STE 1800 GREENSBORO, NC 27409 | $24K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 248 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $136K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $136K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $141K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 248 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.