| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE STE 202 FORT SMITH, AR 729033767 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BEN SERVICES | 901 N 47TH SUITE 303 ROGERS, AR 72756 | PAN-AMERICAN LIFE INSURANCE COMPANY | $11K | — | $11K | 7.07% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 14010 FNB PARKWAY SUITE 200 OMAHA, NE 68154 | PAN-AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 4.92% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 901 N 47TH STE 303 ROGERS, AR 72756 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.09% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $771 | $771 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 901 N 47TH STE 303 ROGERS, AR 72756 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.16% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $851 | — | $851 | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $680 | $680 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 901 N. 47TH SUITE 303 ROGERS, AR 72756 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $849 | $10K | 27.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 901 N 47TH STE 303 ROGERS, AR 72756 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.52% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $384 | $384 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 901 N 47TH STE 303 ROGERS, AR 72756 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 38.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $729 | $729 | 3.80% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 7.53% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | DELTA DENTAL PLAN OF ARKANSAS | $406 | — | $406 | 2.47% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 589 | $92K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 497 | $16K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 226 | $198K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $61K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $38K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 226 | $149K |
| Other(4 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 226 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.