| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR5 | PO BOX 3743 LITTLE ROCK, AR 72203 | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | — | $84K | $84K | 48.18% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 10.75% |
| KAREN EVELYN WHISENHUNT3 Filed as: KAREN WHISENHUNT | 705 FERNWOOD DR JONESBORO, AR 72401 | AFLAC | $5K | $52 | $5K | 11.41% |
| SHARON MCADAMS3 | 1309 LAYMAN DR JONESBORO, AR 72404 | AFLAC | $1K | $15 | $1K | 3.18% |
| HAILEY B MITCHENER3 Filed as: HAILEY MITCHENER | 1005 W LAWSON RD JONESBORO, AR 72404 | AFLAC | $1K | $14 | $1K | 2.85% |
| MICHAEL S MCADAMS3 Filed as: MICHAEL MCADMAS | 1309 LAYMAN DR JONESBORO, AR 72404 | AFLAC | $857 | $15 | $872 | 2.08% |
| JEFFREY MICHAEL RING3 Filed as: JEFFREY RING | 5405 KHAKIS PL JONESBORO, AR 72404 | AFLAC | $345 | $0 | $345 | 0.82% |
| DWAIN SIMS3 | 1304 PARDEW ST JONESBORO, AR 72401 | AFLAC | $213 | $0 | $213 | 0.51% |
| KENNETH ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $134 | $0 | $134 | 0.32% |
| INSURANCE NETWORK AGENCY3 Filed as: INSURANCE NETWORK | PO BOX 251510 LITTLE ROCK, AR 72225 | AFLAC | $115 | $0 | $115 | 0.27% |
| MATTHEW D CARPENTER3 | 8 SHACKLEFORD PLZ STE 300 LITTLE ROCK, AR 72211 | AFLAC | $99 | $0 | $99 | 0.24% |
| WILLIAM BURNS3 | 245 COUNTY ROAD 7822 JONESBORO, AR 72405 | AFLAC | $71 | $0 | $71 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN JONESBORO, AR 72034 | AFLAC | $60 | $0 | $60 | 0.14% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 17240 JONESBORO, AR 72403 | AFLAC | $60 | $0 | $60 | 0.14% |
| TIM WOODARD3 | 53 CHARLES ST. HILLSDALE, MI 49242 | AFLAC | $42 | $0 | $42 | 0.10% |
| JACKIE LYNN SMITHEY3 Filed as: JACKIE SMITHEY | PO BOX 404 JOINER, AR 72350 | AFLAC | $32 | $0 | $32 | 0.08% |
| ROBERT WAYNE HUBBLE3 Filed as: ROBERT HUBBLE | PO BOX 19448 JONESBORO, AR 72403 | AFLAC | $20 | $0 | $20 | 0.05% |
| TONY GENE WINKLES3 Filed as: TONY WINKLES | 405 HIX LN BATESVILLE, AR 72501 | AFLAC | $16 | $0 | $16 | 0.04% |
| BRAD FREDERIKSEN3 | 31 FAIRWAY WOODS CIR MAUMELLE, AR 72113 | AFLAC | $11 | $0 | $11 | 0.03% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 HIGHWAY 71 E MASFIELD, AR 72944 | AFLAC | $11 | $0 | $11 | 0.03% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $9 | $0 | $9 | 0.02% |
| SHARON NEWELL3 | 30 GREENBRIER LN CONWAY, AR 72032 | AFLAC | $8 | $0 | $8 | 0.02% |
| TESSIE P CANTRELLE3 Filed as: TESSIE CANTRELLE | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $6 | $0 | $6 | 0.01% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $6 | $0 | $6 | 0.01% |
| BYRON KEITH BURRELL3 Filed as: BYRON BURRELL | 364 ARKAVALLEY RD GREENBRIER, AR 72058 | AFLAC | $5 | $0 | $5 | 0.01% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $5 | $0 | $5 | 0.01% |
| EMILY DIANE ASTON3 Filed as: EMILY ASTON | 250 COUNTY ROAD 728 JONESBORO, AR 72405 | AFLAC | $3 | $0 | $3 | 0.01% |
| DANNETTE L CLARKSON3 Filed as: DANNETTE CLARKSON | 3421 SUNSHINE RD ROYAL, AR 71968 | AFLAC | $3 | $0 | $3 | 0.01% |
| REBECCA LYNN CARTER3 Filed as: REBECCA CARTER | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $2 | $0 | $2 | 0.00% |
| ANDREA STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $2 | $0 | $2 | 0.00% |
| KENNETH COLLINS JR3 | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROBERT CLARK3 | 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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $150K |
| Vision | AFLAC | 54 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $150K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $150K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $150K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | 110 | $175K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.