| 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 | $16K | $4K | $20K | 11.38% |
| BLUEADVANTAGE ADMINISTRATORS OF ARK5 | PO BOX 3743 LITTLE ROCK, AR 72203 | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | — | $80K | $80K | 50.98% |
| KAREN EVELYN WHISENHUNT3 | 705 FERNWOOD DRIVE JONESBORO, AR 72401 | AFLAC | $4K | $60 | $4K | 6.97% |
| MICHAEL S MCADAMS3 | 1309 LAYMAN DRIVE JONESBORO, AR 72404 | AFLAC | $794 | $17 | $811 | 1.42% |
| SHARON MCADAMS3 Filed as: SHARON A MCADAMS | 1309 LAYMAN DRIVE JONESBORO, AR 72404 | AFLAC | $699 | $17 | $716 | 1.26% |
| HAILEY B MITCHENER3 | 1005 W. LAWSON RD JONESBORO, AR 72404 | AFLAC | $572 | $26 | $598 | 1.05% |
| JEFFREY MICHAEL RING3 | 5405 KHAKIS PL JONESBORO, AR 72404 | AFLAC | $522 | $0 | $522 | 0.92% |
| DWAIN SIMS3 | 1304 PARDEW ST JONESBORO, AR 72401 | AFLAC | $451 | $0 | $451 | 0.79% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 36632 | AFLAC | $305 | $0 | $305 | 0.54% |
| INSURANCE NETWORK AGENCY3 Filed as: INSURANCE NETWORK | PO BOX 251510 LITTLE ROCK, AR 72225 | AFLAC | $205 | $0 | $205 | 0.36% |
| WILLIAM BURNS3 Filed as: WILLIAM S BURNS | 245 COUNTY ROAD 7822 JONESBORO, AR 72405 | AFLAC | $127 | $0 | $127 | 0.22% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | PO BOX 17240 JONESBORO, AR 72403 | AFLAC | $116 | $0 | $116 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F. BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $115 | $0 | $115 | 0.20% |
| TIM WOODARD3 | 53 CHARLES ST HILLSDALE, MI 49242 | AFLAC | $108 | $0 | $108 | 0.19% |
| JACKIE LYNN SMITHEY3 | PO BOX 404 JOINER, AR 72350 | AFLAC | $51 | $0 | $51 | 0.09% |
| ROBERT WAYNE HUBBLE3 | PO BOX 19448 JONESBORO, AR 72403 | AFLAC | $46 | $0 | $46 | 0.08% |
| EMILY DIANE ASTON3 | 250 COUNTY ROAD 728 JONESBORO, AR 72405 | AFLAC | $42 | $0 | $42 | 0.07% |
| DANNETTE L CLARKSON3 | 3421 SUNSHINE RD ROYAL, AR 71968 | AFLAC | $31 | $0 | $31 | 0.05% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $21 | $0 | $21 | 0.04% |
| 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 | $15 | $0 | $15 | 0.03% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $13 | $0 | $13 | 0.02% |
| BYRON KEITH BURRELL3 | 364 ARKAVALLEY RD GREENBRIER, AR 72058 | AFLAC | $10 | $0 | $10 | 0.02% |
| BRAD FREDERIKSEN3 | 31 FAIRWAY WOODS CIR MAUMELLE, AR 72113 | AFLAC | $9 | $0 | $9 | 0.02% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $8 | $0 | $8 | 0.01% |
| SHARON S NEWELL3 | 18 RIVER RIDGE RD LITTLE ROCK, AR 72227 | AFLAC | $7 | $0 | $7 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $6 | $0 | $6 | 0.01% |
| REBECCA LYNN CARTER3 | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $4 | $0 | $4 | 0.01% |
| KENNETH COLLINS JR3 Filed as: KENNETH M. COLLINS JR | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $3 | $0 | $3 | 0.01% |
| ANDREA STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $2 | $0 | $2 | 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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $176K |
| Vision | AFLAC | 69 | $57K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $176K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $176K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $176K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | 126 | $157K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.