| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD SUITE 110 LITTLE ROCK, AR 72227 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $59K | $59K | 3.37% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | PO BOX 3877 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $0 | — | $0 | 0.00% |
| THOMAS CUNNINGHAM3 | 113 RED RIVER DR. SHERWOOD, AR 72120 | RELIANCE STANDARD LIFE INSURANCE CO. | $10K | — | $10K | 21.45% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC Filed as: LEGACY CAPITAL GROUP ARKANSAS | PO BOX 3877 LITTLE ROCK, AR 72203 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.41% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE CO. | $4K | — | $4K | 17.98% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | — | $2K | 17.46% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE CO. | $0 | — | $0 | 0.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD SUITE 200 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | — | $1K | 17.37% |
| THOMAS CUNNINGHAM3 | 113 RED RIVER DR. SHERWOOD, AR 72120 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | — | $256 | 6.73% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 569 | $1.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 618 | $98K |
| Vision | HUMANA INSURANCE COMPANY | 201 | $40K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 604 | $62K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 77 | $21K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO. | 62 | $22K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 604 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.