| 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 | ONE AMERICA | $13K | — | $13K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 46.26% |
| JUSTIN S SPENCER3 | 1500 RIVERFRONT DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 18.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78231 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 9.13% |
| WHITNEY ENTERPRISES INC4 | 3129 KELLY LN. ALEXANDER, AR 72002 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $298 | — | $298 | 8.16% |
| DEBORAH D MOSLEY4 | 1678 WAGON TRAIN RD. MCRAE, AR 72102 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $247 | — | $247 | 6.76% |
| TIMBER C MOSLEY4 | 120 SAILBOAT LANE MCRAE, AR 72102 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $174 | — | $174 | 4.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | $360 | $369 | 39.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P. O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $59 | $63 | 6.78% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | -$15 | $258 | $243 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P. O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | -$6 | $46 | $40 | — |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 113 | $756K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 157 | $57K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 152 | $14K |
| Life insurance | ONE AMERICA | 297 | $85K |
| Short-term disability | ONE AMERICA | 297 | $85K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 113 | $756K |
| Other(5 contracts, 4 carriers) | ONE AMERICA | 297 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.