| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $35K | $36K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72222 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.07% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL PLAN OF ARKANSAS | $5K | $0 | $5K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL PLAN OF ARKANSAS | $5K | $0 | $5K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72222 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $41 | $5K | 9.35% |
| SUNSTAR INSURANCE GROUP LLC3 | 2479 BROWNS LANE JONESBORO, AR 72401 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $52 | $2K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HIEGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $532 | $532 | 1.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $165 | $165 | 0.34% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 353 | $83K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $49K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $49K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 474 | $1.5M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.
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.