| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: BENEFITS INSURANCE GROUP OF AR | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | DELTA DENTAL PLAN OF ARKANSAS | $8K | $0 | $8K | 9.88% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT INSURANCE AGENCY | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 16.27% |
| SECURITY BENEFITS SOLUTIONS3 | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $6K | $0 | $6K | 27.36% |
| INSGROUP INC3 Filed as: BENEFITS INSURANCE GROUP OF AR | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $2K | $0 | $2K | 7.28% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $1K | $0 | $1K | 4.87% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT INSURANCE AGENCY | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $43 | $0 | $43 | 0.20% |
| AMERICAN BENEFITS BROKERAGE3 | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $43 | $0 | $43 | 0.20% |
| TRACY HENSON TUTOR3 | 9931 CYPRESS WILLOW CV OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.66% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 EAST SPYGLASS HILL RIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $642 | $345 | $987 | 5.76% |
| AMY ULERY MCFADDEN3 | 5852 WEST KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | $0 | $388 | 2.26% |
| CHRISTOPHER STOCKELAND3 | 7224 SKY MEADOW DRIVE COLLEGE GROVE, TN 37046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $15 | $71 | 0.41% |
| KYLE HARDING3 | 314 HARDING ROAD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $5 | $53 | 0.31% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFIT MANAGEMENT, INC. | 5852 WEST KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.28% |
| MICHAEL A DUARTE3 Filed as: MICHAEL A. DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT INSURANCE AGENCY | 510 SOUTH SAINT LOUIS STREET BATESVILLE, AR 72501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.80% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 246 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $43K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $1.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.