| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $69K | $69K | 5.00% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 11.76% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 15.55% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | SUPERIOR VISION PLAN | $853 | — | $853 | 3.95% |
| WURTZ AGENCY DBA MWA3 Filed as: WURTZ AGENCY | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 CLAIMS ADMINISTRATION | Contract Administrator Service code 13 | — | $142K |
| WURTZ AGENCY BROKER | Insurance agents and brokers; Other commissions Service code 22 | 1501 N UNIVERSITY AVE STE 340 LITTLE ROCK, AR 72207 | $69K |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 275 | $1.4M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 453 | $117K |
| Vision | SUPERIOR VISION PLAN | 421 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 288 | $74K |
| Short-term disability | STANDARD INSURANCE COMPANY | 137 | $49K |
| Long-term disability | STANDARD INSURANCE COMPANY | 56 | $12K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 275 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.