| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL PLAN OF ARKANSAS | $58K | — | $58K | 9.19% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SERVIC | 5806 SUMMERFIELD ROAD TEXARKANA, TX 75503 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83K | — | $83K | 15.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $29K | $29K | 5.24% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61K | — | $61K | 15.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22K | $22K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.23% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6325 RANCH DR LITTLE ROCK, AR 72223 | RELIASTAR LIFE INSURANCE COMPANY | $172K | — | $172K | 60.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | — | $42K | 15.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.72% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 95287 CHICAGO, IL 60694 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.19% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $807 | — | $807 | 0.76% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 11.70% |
| USB HEALTH LLC3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| BRIAN EDWARD JUND3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | — | $182 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $676 | $676 | 1.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $427 | $427 | 1.17% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,893 | $10.0M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,843 | $628K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 729 | $106K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,707 | $588K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 614 | $406K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 518 | $280K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,893 | $10.0M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,707 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,893 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.