| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 8.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 15.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $461 | $3K | 6.14% |
| BHC NEXT LLC DBA BHC INSURANCE3 | PO BOX 3529 FORT SMITH, AR 72913 | METROPOLITAN LIFE INSURANCE COMPANY | $979 | — | $979 | 2.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 8.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED STATES FIRE INSURANCE COMPAN EIN 13-5459190 REINSURER | Claims processing; Insurance services Service code 12 | 305 MADISON AVENUE MORRISTOWN MORRISTOWN, NJ 07960 | $301K |
| HEALTHEZ EIN 85-1296607 TPA | Plan Administrator; Consulting fees; Insurance agents and brokers Service code 14 | 7201 W 78TH STREET STE 100 BLOOMINGTON, MN 55439 | $34K |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 181 | $80K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 166 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $41K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.