| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 1.49% |
| ALLEGIANT GLOBAL PARTNERS3 | 855 BOYLSTON STREET, FLOOR 10 BOSTON, MA 02116 | DELTA DENTAL PLAN OF ARKANSAS | $921 | — | $921 | 0.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.82% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.83% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $31 | — | $31 | 0.12% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $796 | $796 | 6.03% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROACK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $668 | $668 | 6.12% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $552 | $552 | 6.03% |
| BARRY ROE4 | 3250 TURTLE HILL CV CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $872 | — | $872 | 10.59% |
| LEGAL BENEFITS STOLTZ LLC4 Filed as: LEGAL BENEFITS STOLZ LLC | 8390 E VIA DE VENTURA, STE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.45% |
| LARRY KING4 | PO BOX 596 WALNUT RIDGE, AR 72476 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $135 | $135 | 3.84% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $2.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 441 | $188K |
| Vision | VISION SERVICE PLAN | 167 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $128K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $36K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $2.5M |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.