| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 W LOOP SOUTH STE 1600 HOUSTON, TX 77027 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $53K | $53K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF ARKANSAS | $11K | — | $11K | 10.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 23.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $4K | $8K | 22.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 14.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $6K | 22.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 19.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $919 | $1K | $2K | 23.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 CLAIMS PROCESSING | Claims processing Service code 12 | — | $182K |
| GALLAGHER BENEFIT SERVICES INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | $53K |
| GALLAGHER BENEFIT SERVICES INC INSURANCE BROKER | Claims processing; Insurance agents and brokers Service code 12 | 650 E CARMEL DR. STE 400 CARMEL, IN 46032 | $27K |
| GALLAGHER BENEFIT SERVICE INSURANCE BROKER | Insurance agents and brokers Service code 22 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | $22K |
| VISION SERVICE PLAN EIN 75-1769288 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6K |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 301 | $1.8M |
| Dental | DELTA DENTAL OF ARKANSAS | 362 | $101K |
| Vision | VISION SERVICE PLAN | 176 | $30K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $35K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 301 | $1.8M |
| Other(5 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 220 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.