| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1901 6TH AVE N 1720 BIRMINGHAM, AL 35203 | HIGHMARK | $184K | — | $184K | 2.99% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | DELTA DENTAL PLAN OF ARKANSAS | $35K | — | $35K | 4.43% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $61K | — | $61K | 10.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $5K | — | $5K | 0.79% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD ST 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $962 | — | $962 | 0.16% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $18K | — | $18K | 10.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $740 | — | $740 | 0.41% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $148 | — | $148 | 0.08% |
| JERRY DUNCAN3 | 6814 W SHADOW VALLEY RD ROGERS, AR 727588160 | VISION SERVICE PLAN | $13K | — | $13K | 7.31% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DR LITTLE ROCK, AR 72202 | VISION SERVICE PLAN | $3K | — | $3K | 1.46% |
| JRG ADVISORS LLC3 | 7000 STONEWOOD DRIVE WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| PETERSON FINANCIAL INC3 | 548 CANTON ROAD WINTERSVILLE, OH 43953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.88% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | 2.01% |
| ALEX MICHAEL PIHAKIS3 | 240 COUNTY LINE ROAD BRIDGEVILLE, PA 15017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $186 | $1K | 1.25% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $573 | $1K | 0.99% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $993 | $17 | $1K | 0.97% |
| CBF BENEFITS INC3 | 808 CEDAR AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $872 | $7 | $879 | 0.84% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $174 | $493 | 0.47% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $226 | $366 | 0.35% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $34 | $205 | 0.20% |
| JRG ADVISORS LLC3 | 7000 STONEWOOD DRIVE WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 3.30% |
| PETERSON FINANCIAL INC3 | 548 CANTON ROAD WINTERSVILLE, OH 43953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 3.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 2.14% |
| CBF BENEFITS INC3 | 808 CEDAR AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.63% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.65% |
| ALEX MICHAEL PIHAKIS3 | 240 COUNTY LINE ROAD BRIDGEVILLE, PA 15017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.38% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $8 | $15 | 0.24% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.13% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.11% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 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 | 2,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 786 | $6.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,738 | $792K |
| Vision(2 contracts, 2 carriers) | HIGHMARK | 1,198 | $6.3M |
| Life insurance | USABLE LIFE | 2,219 | $608K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $6K |
| Long-term disability | USABLE LIFE | 917 | $181K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK | 786 | $6.2M |
| Stop-loss / reinsurancereinsurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $104K |
| Other | USABLE LIFE | 2,219 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,738 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.