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| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | $57K |
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $8K |
| VISION SERVICE PLAN EIN 75-1769288 CLAIMS PROCESSOR | 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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $256K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 302 | $70K |
| Vision | VISION SERVICE PLAN | 139 | $20K |
| Life insurance | LEADERSLIFE INSURANCE COMPANY | 93 | $25K |
| Other(2 contracts) | TRUSTMARK INSURANCE COMPANY | 52 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.