| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF ARKANSAS | $8K | — | $8K | 3.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMER ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 27604 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | — |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1500 RIVERFRONT DRIVE STE. 200 LITTLE ROCK, AR 72202 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 75-1769288 CLAIMS PROCESSOR | Claims processing Service code 12 | 7400 GAYLORD PKWY FRISCO, TX 75034 | $15K |
| CONSOLIDATED ADMIN SERVICES LLC EIN 80-0504117 ADMIN SERVICES | Plan Administrator Service code 14 | P.O. BOX 1513 CABOT, AR 72023 | $12K |
| BLUEADVANTAGE ADMIN OF ARKANSAS EIN 71-0226428 CLAIMS PROCESSOR | Claims processing Service code 12 | P.O. BOX 3743 LITTLE ROCK, AR 72203 | $0 |
| MCGRIFF INSURANCE SERVICES INSURANCE BROKER | Insurance agents and brokers Service code 22 | COMMISSION PROCESSING UNI GREENSBORO, NC 27409 | $0 |
| MCGRIFF INSURANCE SERVICES INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 3198 LITTLE ROCK, AR 72203 | $0 |
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 | 595 | 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) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY INC | 595 | $428K |
| Dental | DELTA DENTAL OF ARKANSAS | 964 | $232K |
| Vision | VISION SERVICE PLAN | 594 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,032 | $303K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,032 | $159K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC | 595 | $428K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,032 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,032 | — |
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.
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.