| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275K | $68K | $343K | 13.62% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109K | $18K | $127K | 5.05% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 1.24% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | DELTA DENTAL OF ILLINOIS | $36K | $0 | $36K | 5.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF ILLINOIS | $4K | $0 | $4K | 0.50% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | $0 | $5K | 2.74% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES INC | 3808 WEST SPRINGFIELD AVENUE CHAMPAIGN, IL 61822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 3.16% |
| CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.82% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, 14TH FLOOR LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | $56 | $3 | $59 | 34.71% |
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 | 4,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 2,580 | $722K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 3,882 | $191K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,581 | $2.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,581 | $2.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,581 | $2.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,581 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,581 | — |
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.