| 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 | DELTA DENTAL | $17K | — | $17K | 3.00% |
| DIANE LIVINGSTON BUTTURFF3 | 5786 GRAND HARBOR CIRCLE BOYNTON BEACH, FL 33437 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 5.96% |
| DREW ANTHONY GAINOR3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $756 | $179 | $935 | 1.00% |
| MEEKS FINANCIAL GROUP LLC3 Filed as: MEEKS FINANCIAL GROUP, LLC | FORUM III 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $672 | $59 | $731 | 0.78% |
| DIANE LIVINGSTON BUTTURFF3 | 5786 GRAND HARBOR CIRCLE BOYNTON BEACH, FL 33437 | NORTHWESTERN MUTUAL | $2K | $452 | $2K | 6.48% |
| DREW ANTHONY GAINOR3 | SUITE 101 2455 WASHINGTON AVE. CONWAY, AR 72032 | NORTHWESTERN MUTUAL | $326 | $77 | $403 | 1.08% |
| MEEKS FINANCIAL GROUP LLC3 Filed as: MEEKS FINANCIAL GROUP, LLC | FORUM III 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $291 | $26 | $317 | 0.85% |
| NORTHWESTERN GROUP MARKETING3 | 1770 KIRBY PKWY., SUITE 400 MEMPHIS, TN 38138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BENEFIT 1 INC DBA TRUENETWORK OF AD3 Filed as: BENEFIT I INC.DBA TRUE NETWORK | 1513 AMBER LANE GUNTHERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $242 | $242 | 0.67% |
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 | 1,042 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE | 1,588 | $1.5M |
| Dental | DELTA DENTAL | 1,576 | $578K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $36K |
| Short-term disability | NORTHWESTERN MUTUAL | 102 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 207 | $94K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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.