| 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 | UNITED HEALTHCARE INSURANCE COMPANY | -$2 | $105K | $105K | 2.81% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $8K | — | $8K | 3.00% |
| DIANE LIVINGSTON BUTTURFF3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $4K | $995 | $5K | 9.52% |
| DREW ANTHONY GAINOR3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $717 | $170 | $887 | 1.59% |
| MEEKS FINANCIAL GROUP LLC3 Filed as: MEEKS FINANCIAL GROUP, LLC | FORUM III 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $639 | $56 | $695 | 1.25% |
| NORTHWESTERN GROUP MARKETING3 | 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DIANE LIVINGSTON BUTTURFF3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $1K | $310 | $2K | 8.32% |
| DREW ANTHONY GAINOR3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $224 | $53 | $277 | 1.39% |
| MEEKS FINANCIAL GROUP LLC3 Filed as: MEEKS FINANCIAL GROUP, LLC | FORUM III 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $199 | $18 | $217 | 1.09% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | P.O. BOX 3507 LITTLE ROCK, AR 72203 | LINCOLN NATIONAL | — | — | $0 | — |
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 | 762 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,083 | $3.7M |
| Dental | DELTA DENTAL OF ARKANSAS | 1,038 | $280K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $22K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $20K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 0 | $56K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.