| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST FL 4 C/O ACCOUNTING LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $108K | — | $108K | 9.47% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST FL 4 C/0 ACCOUNTING LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 18.48% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST FL 4 C/O ACCOUNTING LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 19.12% |
| WARE GROUP GENERAL AGENCIES3 Filed as: WARE GROUP | STE D 3808 W SPRINGFIELD AVE CHAMPAIGN, IL 61822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.59% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256 | — | $256 | 2.36% |
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 | 1,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.1M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,597 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,597 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.