| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $54K | $59K | 5.40% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 20.12% |
| AMY ULERY MCFADDEN3 | 5852 WEST KENNEDY DRIVE FAYETTEVILLE, AR 42704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 12.55% |
| DEBORA DAVIS3 | 252 GRANT 561 SHERIDAN, AR 72150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $162 | $5K | 7.21% |
| KYLE HARDING3 | 520 WEST 12TH STREET TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 6.95% |
| TANA L MAY3 Filed as: TANA L. MAY | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $56 | $3K | 3.83% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFITS AND OTHER AGENTS | 5852 KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $454 | $2K | 3.68% |
| SHAREE HOOPER3 | 2542 NORTH SURTEES PLACE FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $51 | $2K | 2.28% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.2M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 348 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.