| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITED HEALTHCARE INSURANCE COMPANY | — | $142K | $142K | 2.73% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.79% |
| IHC SPECIALTY BENEFITS INC3 Filed as: IHC SPECIALTY BENEFITS INC. | 2101 W. PEORIA AVE., SUITE 100 PHOENIX, AZ 85029 | STANDARD INSURANCE COMPANY | $36 | $169 | $205 | 0.06% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.08% |
| IHC SPECIALTY BENEFITS INC3 Filed as: IHC SPECIALTY BENEFITS INC. | 2101 W. PEORIA AVE., SUITE 100 PHOENIX, AZ 85029 | STANDARD INSURANCE COMPANY | $101 | $539 | $640 | 0.49% |
| STEVE LEE3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | STANDARD INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.41% |
| IHC SPECIALTY BENEFITS INC3 Filed as: IHC SPECIALTY BENEFITS INC. | 2101 W. PEORIA AVE., SUITE 100 PHOENIX, AZ 85029 | STANDARD INSURANCE COMPANY | $133 | $554 | $687 | 0.63% |
| STEVE LEE3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | STANDARD INSURANCE COMPANY | $61 | — | $61 | 0.06% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.07% |
| SREPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $2K | — | $2K | 3.07% |
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 | 864 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 724 | $5.2M |
| Dental | STANDARD INSURANCE COMPANY | 654 | $329K |
| Vision | VISION SERVICE PLAN | 645 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 877 | $109K |
| Short-term disability | STANDARD INSURANCE COMPANY | 877 | $130K |
| Long-term disability | STANDARD INSURANCE COMPANY | 690 | $98K |
| Other | STANDARD INSURANCE COMPANY | 877 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.