| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.4 | 11219 FINANCIAL CENTER PKWY SUITE 311 LITTLE ROCK, AR 72211 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.68% |
| CORESOURCE, INC.5 | 18401 MAPLE CREEK DRIVE SUITE 300 TINLEY PARK, IL 60477 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF ARKANSAS | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11311 ARCADE DR SUITE 100 LITTLE ROCK, AR 72212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | $8K | $8K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 11311 ARCADE DRIVE SUITE 100 LITTLE ROCK, AR 72212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 6.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $105K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $64K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 NONE | Other services; Claims processing Service code 12 | — | $9K |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 391 | $416K |
| Dental | DELTA DENTAL OF ARKANSAS | 954 | $274K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $64K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $300K |
| Short-term disability | CIGNA GROUP INSURANCE | 335 | $64K |
| Long-term disability | CIGNA GROUP INSURANCE | 338 | $63K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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.