| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | UNITED HEALTHCARE | — | $19K | $19K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60690 | LINCOLN NATIONAL LIFE INS CO | $2K | $1K | $4K | 19.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60690 | LINCOLN NATIONAL LIFE INS CO | $2K | $1K | $3K | 22.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60690 | LINCOLN NATIONAL LIFE INS CO | $2K | $1K | $3K | 22.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | NATIONAL GUARDIAN LIFE INS. CO. | $1K | — | $1K | 9.87% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 74 | $611K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 130 | $43K |
| Vision | NATIONAL GUARDIAN LIFE INS. CO. | 100 | $12K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 128 | $16K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 54 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 128 | $15K |
| Other | LINCOLN NATIONAL LIFE INS CO | 128 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.