| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | CIGNA HEALTH & LIFE INS CO. | $47K | — | $47K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF AR, INC. | — | CIGNA HEALTH & LIFE INS CO. | $4K | $23K | $27K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN OF ARKANSAS | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $26K | — | $26K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | SUPERIOR VISION - GUARDIAN LIFE | $6K | — | $6K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9100 KEYSTONE CROSSING, STE 550 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9100 KEYSTONE CROSSING, STE 550 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF ARKANSAS | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $10K |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS CO. | 890 | $1.1M |
| Dental | DELTA DENTAL OF ARKANSAS | 679 | $263K |
| Vision | SUPERIOR VISION - GUARDIAN LIFE | 411 | $55K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $52K |
| Prescription drug | CIGNA HEALTH & LIFE INS CO. | 890 | $1.1M |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 889 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.