| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $3K | — | $3K | 5.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.57% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P.O. BOX 3507 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.24% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | $328 | $1K | 13.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GERBER LIFE INSURANCE COMPANY EIN 13-2611847 CARRIER | Insurance services Service code 23 | — | $235K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Insurance services Service code 23 | — | $76K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 PBM | Direct payment from the plan; Other fees; Claims processing Service code 12 | P.O. BOX 16430 OKLAHOMA CITY, OK 73113 | $6K |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPSYCH CORPORATION | 175 | $7K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 212 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.