| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS AND BLUE SHIELD | 601 S GANES ST LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $90K | $90K | 12.82% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTREELL ROAD SUITE 200 LITTLE ROCK, AR 72227 | ARKANSAS BLUE CROSS BLUE SHIELD | $21K | — | $21K | 3.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS AND BLUE SHIELD | 601 S GANES ST LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $8K | $8K | 16.50% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | ARKANSAS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 3.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.60% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIIFE INSURANCE COMPANY | $3K | $985 | $4K | 19.44% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIIFE INSURANCE COMPANY | $564 | $324 | $888 | 12.60% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $680 | — | $680 | 10.95% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 171 | $701K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 192 | $48K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 36 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIIFE INSURANCE COMPANY | 87 | $29K |
| Short-term disability | UNITED OF OMAHA LIIFE INSURANCE COMPANY | 82 | $24K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 171 | $701K |
| Other(2 contracts) | UNITED OF OMAHA LIIFE INSURANCE COMPANY | 87 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.