| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAWKINS INSURANCE AGENCY3 | 211 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 20.00% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 8.00% |
| HAWKINS INSURANCE AGENCY3 | 211 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.64% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 20.00% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | DELTA DENTAL OF ARKANSAS | $7K | — | $7K | 19.00% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | ALLSTATE BENEFITS | $4K | — | $4K | 36.27% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | ALLSTATE BENEFITS | $294 | — | $294 | 2.98% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 228 | $140K |
| Vision | DELTA DENTAL OF ARKANSAS | 181 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $86K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.