| 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 | $6K | $22K | 12.68% |
| BLUE ADVANTAGE ADMINISTRATORS OF AR5 | PO BOX 3743 LITTLE ROCK, AR 72203 | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | — | $71K | $71K | 42.81% |
| KAREN EVELYN WHISENHUNT3 Filed as: KAREN WHISENHUNT | 705 FERNWOOD DR JONESBORO, AR 72401 | AFLAC | $3K | $93 | $3K | 7.00% |
| HAILEY B MITCHENER3 Filed as: HAILEY MITCHENER | 1005 W LAWSON RD JONESBORO, AR 72404 | AFLAC | $819 | $0 | $819 | 1.65% |
| SHARON MCADAMS3 | 1309 LAYMAN DR JONESBORO, AR 72404 | AFLAC | $770 | $22 | $792 | 1.60% |
| MICHAEL S MCADAMS Filed as: MICHAEL MCADMAS | 1309 LAYMAN DR JONESBORO, AR 72404 | AFLAC | $661 | $21 | $682 | 1.38% |
| JEFFREY MICHAEL RING3 Filed as: JEFFREY RING | 5405 KHAKIS PL JONESBORO, AR 72404 | AFLAC | $444 | — | $444 | 0.90% |
| DWAIN SIMS | 1304 PARDEW ST JONESBORO, AR 72401 | AFLAC | $387 | — | $387 | 0.78% |
| INSURANCE NETWORK AGENCY3 Filed as: INSURANCE NETWORK | PO BOX 251510 LITTLE ROCK, AR 72225 | AFLAC | $205 | — | $205 | 0.41% |
| KENNETH ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $197 | — | $197 | 0.40% |
| WILLIAM BURNS3 | 245 COUNTY ROAD 7822 JONESBORO, AR 72405 | AFLAC | $122 | — | $122 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN JONESBORO, AR 72034 | AFLAC | $95 | — | $95 | 0.19% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 17240 JONESBORO, AR 72403 | AFLAC | $87 | — | $87 | 0.18% |
| TIM WOODARD3 | 53 CHARLES ST. HILLSDALE, MI 49242 | AFLAC | $82 | — | $82 | 0.17% |
| JACKIE LYNN SMITHEY3 Filed as: JACKIE SMITHEY | PO BOX 404 JOINER, AR 72350 | AFLAC | $51 | — | $51 | 0.10% |
| EMILY DIANE ASTON3 Filed as: EMILY ASTON | 250 COUNTY ROAD 728 JONESBORO, AR 72405 | AFLAC | $42 | — | $42 | 0.08% |
| ROBERT WAYNE HUBBLE3 Filed as: ROBERT HUBBLE | PO BOX 19448 JONESBORO, AR 72403 | AFLAC | $35 | — | $35 | 0.07% |
| DANNETTE L CLARKSON3 Filed as: DANNETTE CLARKSON | 3421 SUNSHINE RD ROYAL, AR 71968 | AFLAC | $31 | — | $31 | 0.06% |
| RHONDA WENBERG3 | 3 BENT TREE DR LITTLE ROCK, AR 72212 | AFLAC | $18 | — | $18 | 0.04% |
| TONY GENE WINKLES3 Filed as: TONY WINKLES | 405 HIX LN BATESVILLE, AR 72501 | AFLAC | $17 | — | $17 | 0.03% |
| LEANN POTTER3 | 445 CANYON DR MANSFIELD, AR 72944 | AFLAC | $14 | — | $14 | 0.03% |
| TONYA SUE ELMORE Filed as: TONYA ELMORE | 1930 HIGHWAY 71 E MASFIELD, AR 72944 | AFLAC | $14 | — | $14 | 0.03% |
| BRAD FREDERIKSEN3 | 31 FAIRWAY WOODS CIR MAUMELLE, AR 72113 | AFLAC | $11 | — | $11 | 0.02% |
| TESSIE P CANTRELLE3 Filed as: TESSIE CANTRELLE | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $10 | — | $10 | 0.02% |
| SHARON NEWELL3 | 30 GREENBRIER LN CONWAY, AR 72032 | AFLAC | $9 | — | $9 | 0.02% |
| BYRON KEITH BURRELL3 Filed as: BYRON BURRELL | 364 ARKAVALLEY RD GREENBRIER, AR 72058 | AFLAC | $8 | — | $8 | 0.02% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $7 | — | $7 | 0.01% |
| CHARLES L CHANCELLOR Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $7 | — | $7 | 0.01% |
| REBECCA LYNN CARTER3 Filed as: REBECCA CARTER | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH COLLINS JR | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $3 | — | $3 | 0.01% |
| ANDREA STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $2 | — | $2 | 0.00% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT CLARK3 | 5601 COUNTY ROAD 1450 STE. F LUBBOCK, TX 79407 | AFLAC | — | — | $0 | 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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $176K |
| Vision | AFLAC | 68 | $50K |
| 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. | 124 | $166K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $225K |
| 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.