| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | CIGNA HEALTH& LIFE INS CO. | — | $48K | $48K | 0.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH& LIFE INS CO. | — | $32K | $32K | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $41K | — | $41K | 8.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF INSURANCE SERVICES NONE | Insurance brokerage commissions and fees Service code 53 | — | $84K |
| MARSH & MCLENNAN AGENCY, LLC NONE | Insurance brokerage commissions and fees Service code 53 | — | $20K |
| CONSOLIDATED ADMIN SERVICES, LLC EIN 80-0504117 TPA | Plan Administrator; Other services Service code 14 | P.O. BOX 1513 CABOT, AR 72023 | $6K |
| IMG TPA | Other services Service code 49 | 2960 N. MERIDIAN ST. INDIANAPOLIS, IN 46208 | $107 |
| COM PSYCH EIN 35-3739783 TPA | Other services Service code 49 | — | $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 | 703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH& LIFE INS CO. | 538 | $5.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 956 | $472K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 813 | $89K |
| Life insurance | PRUDENTIAL | 640 | $147K |
| Short-term disability | PRUDENTIAL | 326 | $187K |
| Long-term disability | PRUDENTIAL | 639 | $374K |
| Other(4 contracts) | PRUDENTIAL | 640 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.