| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 4100 CORPORATE CTR DR #200 SPRINGDALE, AR 72762 | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC | $0 | $64K | $64K | 3.07% |
| 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 | 0.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 72203 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.72% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GRP AR LLC | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $818 | $5K | 17.80% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC | 619 | $2.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 669 | $121K |
| Vision | HUMANA INSURANCE COMPANY | 220 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $29K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.