| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 27409 | AMERICAN UNITED LIFE INSURANCE | $4K | $1K | $6K | 10.65% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AMERICAN UNITED LIFE INSURANCE | $5K | $0 | $5K | 9.87% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | RESERVE NATIONAL INSURANCE COMPANY | $3K | — | $3K | 6.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 27409 | RESERVE NATIONAL INSURANCE COMPANY | $2K | — | $2K | 5.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | RESERVE NATIONAL INSURANCE COMPANY | $2K | $0 | $2K | 4.52% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICE, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | RESERVE NATIONAL INSURANCE COMPANY | $854 | $0 | $854 | 2.25% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $305 | — | $305 | 4.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 27409 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $223 | — | $223 | 3.46% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $141 | $0 | $141 | 2.19% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICE, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.57% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 235 | $1.2M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 235 | $1.2M |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 235 | $1.2M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE | 225 | $55K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE | 225 | $55K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 225 | $55K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 235 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE | 225 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.