| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4000 SMITH RD SUITE 400 CINCINNATI, OH 45209 | DELTA DENTAL PLAN OF ARKANSAS | $55K | — | $55K | 10.00% |
| GREATER SOUTH AGENCY, INC.3 | P.O. BOX 6771 COLUMBIA, SC 29260 | USABLE LIFE | $27K | — | $27K | 10.22% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DR NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $6K | — | $6K | 2.08% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $398 | — | $398 | 0.15% |
| WARE INSURANCE & FINANCIAL SVCS INC3 | 622-A SOUTH 21ST STREET FORT SMITH, AR 72901 | USABLE LIFE | $382 | — | $382 | 0.14% |
| SCOTT ALLISON3 | 6134 REMINGTON DR BRYANT, AR 72022 | USABLE LIFE | $152 | — | $152 | 0.06% |
| KRISTIN HAYES3 | 516 E MILSAP ROAD SUITE 103 FAYETTEVILLE, AR 72701 | USABLE LIFE | $41 | — | $41 | 0.02% |
| FINDLEY JOHNSON3 | 3499 BLUFF CREEK LOOP SPRINGDALE, AR 72764 | USABLE LIFE | $13 | — | $13 | 0.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FIN SERVICES LLC | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
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 | 803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,857 | $8.9M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,747 | $547K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 1,229 | $312K |
| Short-term disability | USABLE LIFE | 198 | $265K |
| Long-term disability | USABLE LIFE | 198 | $265K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,857 | $8.9M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 1,229 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,857 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.