| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIED | $0 | $158K | $158K | 2.51% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $6K | $54K | 11.25% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $45K | — | $45K | 9.69% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $2K | $29K | 10.93% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $3K | $26K | 11.24% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIED | $13K | — | $13K | 9.62% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $13K | 11.34% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $311 | $3K | 11.29% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | LINCOLN LIFE & ANNUUITY COMPANY OF NEW YORK | $1K | $26 | $1K | 11.13% |
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 | 1,170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIED | 858 | $6.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,772 | $462K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIED | 779 | $135K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,189 | $371K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,189 | $264K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,189 | $482K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIED | 858 | $6.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,189 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,772 | — |
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.