| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $17K | 10.30% |
| QCA HEALTH5 | 12615 CHENAL PKWY #300 LITTLE ROCK, AR 72211 | QCA HEALTH PLAN | — | $61K | $61K | 39.13% |
| KAREN EVELYN WHISENHUNT3 | 705 FERNWOOD DR JONESBORO, AR 72401 | AFLAC | $4K | $192 | $4K | 6.45% |
| HAILEY B MITCHENER3 | 1005 W LAWSON RD JONESBORO, AR 72404 | AFLAC | $1K | $107 | $1K | 1.95% |
| MICHAEL S MCADAMS | 1309 LAYMAN DR JONESBORO, AR 72404 | AFLAC | $933 | $60 | $993 | 1.57% |
| SHARON MCADAMS3 | 1609 TROUTMAN CIR JONESBORO, AR 72404 | AFLAC | $686 | $60 | $746 | 1.18% |
| JEFFREY MICHAEL RING3 | 1112 COUNTY ROAD 763 BROOKLAND, AR 72417 | AFLAC | $546 | $0 | $546 | 0.87% |
| DWAIN SIMS3 | 1304 PARDEW ST JONESBORO, AR 72401 | AFLAC | $485 | $0 | $485 | 0.77% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $383 | $0 | $383 | 0.61% |
| INSURANCE NETWORK AGENCY3 Filed as: INSURANCE NETWORK | P.O. BOX 17240 JONESBORO, AR 72403 | AFLAC | $205 | $0 | $205 | 0.33% |
| BXS INSURANCE INC3 | P.O. BOX 17240 JONESBORO, AR 72403 | AFLAC | $131 | $0 | $131 | 0.21% |
| WILLIAM BURNS3 Filed as: WILLIAM S BURNS | 245 COUNTY ROAD 7822 JONESBORO, AR 72405 | AFLAC | $128 | $0 | $128 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $127 | $0 | $127 | 0.20% |
| TIM WOODARD3 | 53 CHARLES ST HILLSDALE, MI 49242 | AFLAC | $124 | $0 | $124 | 0.20% |
| JACKIE LYNN SMITHEY3 | P.O. BOX 404 JOINER, AR 72350 | AFLAC | $67 | $0 | $67 | 0.11% |
| ROBERT WAYNE HUBBLE3 | P.O. BOX 19448 JONESBORO, AR 72403 | AFLAC | $60 | $0 | $60 | 0.10% |
| EMILY DIANE ASTON3 | 250 COUNTY ROAD 728 JONESBORO, AR 72405 | AFLAC | $58 | $0 | $58 | 0.09% |
| DANNETTE L CLARKSON3 | 3421 SUNSHINE RO ROYAL, AR 71968 | AFLAC | $49 | $0 | $49 | 0.08% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $21 | $0 | $21 | 0.03% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $18 | $0 | $18 | 0.03% |
| TONY GENE WINKLES3 | 405 HIX LN BATESVILLE, AR 72501 | AFLAC | $17 | $0 | $17 | 0.03% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $16 | $0 | $16 | 0.03% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $14 | $0 | $14 | 0.02% |
| BYRON KEITH BURRELL3 | 2805 LONDONDERRY LN CONWAY, AR 72034 | AFLAC | $12 | $0 | $12 | 0.02% |
| CHRISTOPHER DAVID CASH3 Filed as: CHRISTOPHER D CASH | 128 BARTON AVE MARION, AR 72364 | AFLAC | $11 | $0 | $11 | 0.02% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $9 | $0 | $9 | 0.01% |
| HAL STEPHEN BARRE JR3 | 4509 SUMMIT RIDGE DR JONESBORO, AR 72404 | AFLAC | $7 | $0 | $7 | 0.01% |
| BRAD FREDERIKSEN3 | 31 FAIRWAY WOODS CIR MAUMELLE, AR 72113 | AFLAC | $7 | $0 | $7 | 0.01% |
| SHARON S NEWELL3 | 18 RIVER RIDGE RD LITTLE ROCK, AR 72227 | AFLAC | $5 | $0 | $5 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $4 | $0 | $4 | 0.01% |
| REBECCA LYNN CARTER3 | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $3 | $0 | $3 | 0.00% |
| ANDREA STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $3 | $0 | $3 | 0.00% |
| KENNETH COLLINS JR3 Filed as: KENNETH M COLLINS JR | P.O. BOX 17381 JONESBORO, AR 72403 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHRISTY G POE3 | 1503 BAYWOOD CV WEST MEMPHIS, AR 72301 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN TIMOTHY MCRAE3 | 1315 PLEASANT POINTE CIR BRYANT, AR 72022 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 STE F LUBBOCK, TX 79407 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 210 | $157K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $170K |
| Vision | AFLAC | 87 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $170K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $170K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $170K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 133 | $157K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.