| 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. | $0 | $23K | $23K | 0.57% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL | $8K | — | $8K | 1.28% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $60K | $16K | $76K | 12.72% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $36K | $16K | $53K | 14.48% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $25K | $16K | $42K | 16.34% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO. | $66K | — | $66K | 33.70% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $28K | $14K | $43K | 21.77% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO. | $55K | — | $55K | 30.04% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $26K | $14K | $39K | 21.48% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO. | $44K | — | $44K | 27.16% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $19K | $11K | $30K | 18.63% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO. | $13K | $7K | $20K | 15.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $8K |
| LINCOLN NATIONAL EIN 35-0472300 NONE | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 2,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS CO. | 1,896 | $4.0M |
| Dental | DELTA DENTAL | 2,070 | $658K |
| Vision | CIGNA HEALTH & LIFE INS CO. | 1,896 | $4.0M |
| Life insurance | LINCOLN NATIONAL LIFE INS CO. | 2,264 | $125K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO. | 638 | $598K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 752 | $363K |
| Prescription drug | CIGNA HEALTH & LIFE INS CO. | 1,896 | $4.0M |
| Other(5 contracts) | LINCOLN NATIONAL LIFE INS CO. | 2,264 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,264 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.