| 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 | $17K | $10K | $27K | 19.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 5540 BLEAUX AVE. STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $324 | $4K | 2.70% |
| STRATEGIC NON-MEDICAL SVCS3 | 1 BEACON ST. STE. 1700 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $540 | $540 | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $7K | $11K | 11.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 5540 BLEAUX AVE. STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $761 | $219 | $980 | 1.02% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST. STE. 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $364 | $364 | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 12.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 5540 BLEAUX AVE. STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $353 | $101 | $454 | 1.06% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST. STE. 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $169 | $169 | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 22.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 5540 BLEAUX AVE. STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $83 | $1K | 3.30% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST. STE. 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $138 | $138 | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR NONE | Contract Administrator; Claims processing Service code 12 | PO BOX 3743 LITTLE ROCK, AR 72203 | $410K |
| UNITED OF OMAHA EIN 47-0322111 NONE | Contract Administrator; Claims processing Service code 12 | — | $12K |
| STRATEGIC NON-MEDICAL SERVICES NONE | Insurance agents and brokers Service code 22 | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | $50 |
| BROWN & BROWN INSURANCE SERVICES NONE | Contract Administrator Service code 13 | 5540 BREAUX ST. STE A SPRINGDALE, AR 72762 | $30 |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 949 | $200K |
| Vision | DELTA DENTAL OF ARKANSAS | 910 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $96K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 500 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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.