| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL PLAN OF ARKANSAS | $41K | — | $41K | 8.46% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD ROAD TEXARKANA, TX 75503 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 1.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL | 2305 RIVER ROAD LOUISVILLE, KY 40206 | USABLE LIFE | $22K | — | $22K | 9.21% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DR NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $5K | — | $5K | 1.97% |
| WARE INSURANCE & FINANCIAL SVCS IN3 | 4301 REGIONS PARK DR SUITE 7 FORT SMITH, AR 72916 | USABLE LIFE | $375 | — | $375 | 0.15% |
| KRISTIN HAYES3 | 513 E MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72701 | USABLE LIFE | $31 | — | $31 | 0.01% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FIN SERVICES LLC | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 755034305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,549 | $8.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,462 | $481K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 1,001 | $278K |
| Short-term disability | USABLE LIFE | 169 | $243K |
| Long-term disability | USABLE LIFE | 169 | $243K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,549 | $8.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 1,001 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.