| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $29K | $29K | 1.97% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $6K | — | $6K | 4.66% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $9K | $22K | 26.04% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID - ATLANTIC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 26.17% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 15.53% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.90% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $633 | $2K | $2K | 12.23% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $950 | — | $950 | 4.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $828 | — | $828 | 8.09% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 2.58% |
| HENRY CHARLES PEYTON3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 1.07% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 362 | $1.5M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 379 | $128K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 345 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $83K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $20K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 362 | $1.5M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
No prospect flags tripped on this filing.