| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $21K | $21K | 2.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | ONE AMERICA | $13K | $8K | $21K | 24.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $7K | $2K | $8K | 12.32% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.35% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO STE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $780 | $780 | 1.19% |
| JUSTIN S SPENCER3 | 1500 RIVERFRONT DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $564 | — | $564 | 0.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $3K | — | $3K | 4.92% |
| WHITNEY ENTERPRISES INC4 | 3129 KELLY LN. ALEXANDER, AR 72002 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $412 | — | $412 | 8.17% |
| DEBORAH D MOSLEY4 | 168 WAGON TRAIN RD. MCRAE, AR 72102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $319 | — | $319 | 6.33% |
| TIMBER C MOSLEY4 | 120 SAILBOAT LANE MCRAE, AR 72102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $262 | — | $262 | 5.20% |
| KRISTEN MARCERA3 | 1008 CASTLE BRIDGE XING ROCHESTER, NY 14580 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | — | $25 | 0.50% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 120 | $725K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 170 | $57K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 158 | $13K |
| Life insurance | ONE AMERICA | 308 | $84K |
| Short-term disability | ONE AMERICA | 308 | $84K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 120 | $725K |
| Other(3 contracts, 3 carriers) | ONE AMERICA | 308 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.