| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 4.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 17.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 17.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 17.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES EB COMMISSIONS | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | PO BOX 3743 LITTLE ROCK, AR 72203 | $280K |
| MCGRIFF INSURANCE SERVICES INSURANCE AGENTS | Insurance services Service code 23 | COMMISSION PROCESSING UNI GREENSBORO, NC 27409 | $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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 486 | $0 |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 443 | $245K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 351 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $82K |
| Prescription drug | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 486 | $0 |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.