| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | $16K | $114K | 11.66% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.61% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS, INC. | $33K | — | $33K | 4.00% |
| BENEFIT ADVISORS SVCS GRP LLC | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | DELTA DENTAL PLAN OF ARKANSAS, INC. | $8K | — | $8K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $13K | $57K | 13.06% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $6K | $37K | 17.79% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE SERVICES, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $19K | 13.22% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| STEPHENS INSURANCE LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| BENEFIT ADVISORS SVCS GRP LLC | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.34% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $438 | — | $438 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET, STE 100 WAUSAU, WI 54403 | $696K |
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 | 1,209 | 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) | 1,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS, INC. | 2,121 | $820K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,749 | $105K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,744 | $690K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $147K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,209 | $976K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 1,017 | $1.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,744 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,121 | — |
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.