| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | PO BOX 3507 LITTLE ROCK, AR 72203 | RELIASTAR LIFE INSURANCE COMPANY | $189K | — | $189K | 17.26% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 2.00% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $17K | — | $17K | 2.97% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE, LLC | PO BOX 3507 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 8.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Contract Administrator Service code 13 | 300 CORPORATE PKWY BUFFALO, NY 14226 | $566K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGT | Other fees; Claims processing; Direct payment from the plan Service code 12 | 8621 ROBERT FULTON DR COLUMBIA, MD 21046 | $64K |
| CONSOLIDATED ADMIN SERVICES EIN 80-0504117 TPA | Claims processing Service code 12 | PO BOX 1513 CABOT, AR 72023 | $0 |
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 | 1,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,226 | $584K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $124K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,610 | $1.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,610 | $1.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,610 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,610 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.