| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $36K | $0 | $36K | 2.80% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 2479 BROWNS LANE JONESBORO, AR 72401 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $162 | $162 | 0.20% |
| BENEFIT ADVISORS SRVC. GROUP, LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.09% |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 860 | $1.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 860 | $1.3M |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 860 | $1.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $82K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $82K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $82K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 860 | $1.3M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.