| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $20K | $10K | $30K | 20.98% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AP 72703 | USABLE LIFE | $6K | — | $6K | 4.43% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $648 | — | $648 | 0.46% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $571 | — | $571 | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2828 N. MANSFIELD AVENUE SUITE 202 FAYETTEVILLE, AR 72704 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2828 N. MANSFIELD AVENUE SUITE 202 FAYETTEVILLE, AR 72704 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 9.97% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 309 | $1.6M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 221 | $74K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 191 | $22K |
| Life insurance | USABLE LIFE | 183 | $142K |
| Short-term disability | USABLE LIFE | 183 | $142K |
| Long-term disability | USABLE LIFE | 183 | $142K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 309 | $1.6M |
| Other | USABLE LIFE | 183 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.