| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $22K | — | $22K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 72223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | COMPBENEFITS | $8K | — | $8K | 16.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 48.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 29.67% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 31.73% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $234 | — | $234 | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.06% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.49% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 65.02% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 62.27% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $860 | — | $860 | 46.11% |
| CHARLES PEYTON HENRY3 | 229 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 3.65% |
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 | 464 | 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) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 467 | $2.8M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 810 | $271K |
| Vision | COMPBENEFITS | 403 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $145K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 467 | $2.8M |
| Other(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.