| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 12.71% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 100 LITTLE ROCK, AA 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.95% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID - ATLANTIC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.30% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.98% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID - ATLANTIC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.35% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 9.71% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $861 | $4K | 25.09% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $757 | $4K | 25.25% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $681 | $4K | 24.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 CARRIER | Plan Administrator; Claims processing Service code 12 | — | $74K |
| STEPHENS INSURANCE LLC EIN 20-5068534 BROKER | Other commissions Service code 55 | 111 CENTER ST LITTLE ROCK, AR 72201 | $48K |
| CIGNA CORPORATION EIN 59-1031071 CARRIER | Claims processing; Plan Administrator Service code 12 | — | $24K |
| PRIME THERAPEUTICS MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $8K |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 233 | $106K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 201 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $36K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $455K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.