| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSUR. SERVICES, INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 7.52% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSUR. SERVICES, INC. | P.O. BOX 9180 JONESBORO, AR 72403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 18.80% |
| BARNETT BENEFITS GROUP INC3 Filed as: BARNETT BENEFITS GROUP, INC. | 101 BARNETT RD. LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $570 | $5K | 14.56% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY, INC. | 1701 CENTERVIEW DR. LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $345 | $3K | 7.62% |
| ROBERT W ALLEN3 Filed as: ROBERT W. ALLEN | 39 SUNCREST DR. CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $215 | $2K | 4.61% |
| MCFADDEN BENEFIT MANAGEMENT INC Filed as: MCFADDEN BENEFIT MANAGEMENT, INC. | 5852 KENNEDY DR. FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| KYLE HARDING3 | 105 EAST BROAD ST. TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 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 | 125 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $94K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $131K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $131K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $94K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.