| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 100 LITTLE ROCK, AR 72201 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 2.56% |
| STEPHENS INSURANCE LLC Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $10K | — | $10K | 10.90% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.68% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.83% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | UNITED OMAHA LIFE INSURANCE COMPANY | $770 | $299 | $1K | 20.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $19K |
| DELTA DENTAL OF ARKANSAS EIN 71-0561140 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 1513 COUNTRY CLUB ROAD SHERWOOD, AR 72120 | $12K |
| MUTUAL OF OMAHA INSURANCE COMPANY EIN 47-0322111 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $11K |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 256 | $734K |
| Dental | DELTA DENTAL OF ARKANSAS | 255 | $88K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 221 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $19K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 256 | $734K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.