| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPANION LIFE INSURANCE COMPANY | — | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | — | $628K | $628K | 65.88% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | $63K | — | $63K | 6.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | $36K | $97K | 15.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30039 | DELTA DENTAL OF ARKANSAS | $19K | — | $19K | 7.19% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DR BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218K | $61K | $279K | 625.76% |
| THE FRANCIS GROUP LLC3 | 403 NORTH ST BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $933 | $45K | $45K | 101.94% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $892 | $291 | $1K | 2.65% |
| HARBISON BENEFIT CONSULTANTS LLC3 | PO BOX 386 PILOT KNOB, MO 63663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 1.03% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.49% |
| SHANNON MARIE BALDWIN3 | 14620 S 52ND EAST AVE BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $41 | $156 | 0.35% |
| GINA LEIGH SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $6 | $118 | 0.26% |
| DEBORA DAVIS3 | 252 GRANT 561 SHERIDAN, AR 72150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.22% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $9 | $26 | 0.06% |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 447 | $953K |
| Dental | DELTA DENTAL OF ARKANSAS | 876 | $267K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $610K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $610K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $610K |
| Prescription drug | RXBENEFITS, INC. | 498 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 447 | $953K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 495 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.