| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 500 PRESIDENT CLINTON AVE STE 400 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $23K | — | $23K | 3.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3605 GLENWOOD AVE STE 19 RALEIGH, NC 27612 | ONE AMERICA | $12K | $3K | $15K | 18.29% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO #550 SAN ANTONIO, TX 78232 | SYMETRA LIFE INSURANCE COMPANY | $27K | — | $27K | 36.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $18K | $818 | $19K | 25.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $3K | — | $3K | 4.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 12.01% |
| WHITNEY ENTERPRISES INC4 | 3129 KELLY LN. ALEXANDER, AR 720029335 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $217 | — | $217 | 5.55% |
| DEBORAH D MOSLEY4 | 168 WAGON TRAIN RD. MCRAE, AR 721029743 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $163 | — | $163 | 4.17% |
| TIMBER C MOSLEY4 | 120 SAILBOAT LANE MCRAE, AR 721029672 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $149 | — | $149 | 3.81% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 110 | $771K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 177 | $64K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 177 | $15K |
| Life insurance | ONE AMERICA | 467 | $79K |
| Short-term disability | ONE AMERICA | 467 | $79K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 110 | $771K |
| Other(3 contracts, 3 carriers) | ONE AMERICA | 486 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
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.