| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 | 8245 TOURNAMENT DR STE 295 MEMPHIS, TN 38125 | MET LIFE INSURANCE CO | $10K | $3K | $13K | 16.51% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 383057352 | MET LIFE INSURANCE COMPANY | $2K | $247 | $3K | 25.65% |
| FRANK KOPECKY3 Filed as: FRANK P ORZEL & CO | 208 S. LASALLE ST STE 1407 CHICAGO, IL 60604 | MET LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.54% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 383057352 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $158 | $2K | 25.25% |
| FRANK KOPECKY3 Filed as: FRANK P ORZEL & CO | 208 S LASALLE ST. STE 1407 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.83% |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MET LIFE INSURANCE COMPANY | 53 | $17K |
| Dental | MET LIFE INSURANCE CO | 284 | $78K |
| Vision | MET LIFE INSURANCE CO | 284 | $78K |
| Life insurance | MET LIFE INSURANCE CO | 284 | $78K |
| Short-term disability | MET LIFE INSURANCE CO | 284 | $78K |
| Other | MET LIFE INSURANCE CO | 284 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.