| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR5 | 601 GAINES ST LITTLE ROCK, AR 72201 | HM INSURANCE GROUP | $0 | $728K | $728K | 129.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $302K | — | $302K | 56.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 9.84% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 8315 CANTRELL RD, STE 300 LITTLE ROCK, AR 72227 | HARTFORD FIRE INSURANCE COMPANY | $494 | — | $494 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0246079 NONE | Contract Administrator Service code 13 | P.O. BOX 3743 LITTLE ROCK, AR 72203 | $728K |
| GALLAGHER BENEFIT SERVICES INC NONE | Insurance agents and brokers Service code 22 | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 600084050 | $343K |
| ARTHUR J. GALLAGHER & CO. NONE | Insurance agents and brokers Service code 22 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | $11K |
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 | 1,625 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,478 | $108K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,625 | $402K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,625 | $402K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 1,126 | $562K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,195 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.