| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | CIGNA HEALTH & LIFE INS CO. | $18K | — | $18K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDDWEST LTD | 203 LA SALLE ST 20TH FL CHICAGO, IL 60601 | CIGNA HEALTH & LIFE INS CO. | $5K | — | $5K | 0.13% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $48K | $16K | $64K | 9.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO. | $17K | — | $17K | 2.66% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 12A CHICAGO, IL 60604 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 0.45% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $24K | $8K | $32K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO. | $9K | — | $9K | 2.64% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $23K | $12K | $34K | 11.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO | $8K | — | $8K | 2.55% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INS CO. | $66K | — | $66K | 28.11% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INS CO. | $13K | $12K | $25K | 10.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | THE LINCOLN NATIONAL LIFE INS CO. | $15K | $3K | $18K | 7.84% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO. | $48K | — | $48K | 24.24% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $10K | $10K | $20K | 10.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO. | $11K | $3K | $14K | 6.80% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO. | $39K | — | $39K | 23.01% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $8K | $9K | $17K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO. | $9K | $2K | $11K | 6.61% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $6K | $4K | $10K | 13.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FL 20 CHICAGO, IL 606019300 | LINCOLN NATIONAL LIFE INS CO. | $1K | — | $1K | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Claims processing; Participant communication 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS CO. | 1,686 | $4.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,806 | $544K |
| Vision | CIGNA HEALTH & LIFE INS CO. | 1,686 | $4.1M |
| Life insurance | LINCOLN NATIONAL LIFE INS CO. | 2,248 | $72K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO. | 619 | $654K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 723 | $302K |
| Prescription drug | CIGNA HEALTH & LIFE INS CO. | 1,686 | $4.1M |
| Other(5 contracts) | LINCOLN NATIONAL LIFE INS CO. | 2,248 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,248 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.