| 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 | $9K | — | $9K | 1.96% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $31K | $10K | $42K | 13.33% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN LIFE INS CO | $20K | $7K | $27K | 14.06% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, INC. | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $15K | $5K | $20K | 13.28% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL | $8K | — | $8K | 10.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $373 | $13 | $386 | 17.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 NONE | Claims processing Service code 12 | — | $21K |
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $7K |
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 | 1,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE | 1,750 | $1.9M |
| Dental | DELTA DENTAL | 1,724 | $438K |
| Vision | DELTA DENTAL | 1,415 | $77K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 715 | $151K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 428 | $313K |
| Long-term disability | LINCOLN LIFE INS CO | 542 | $191K |
| Prescription drug | CIGNA HEALTH & LIFE | 1,750 | $1.9M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS CO | 715 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,750 | — |
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.