| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 3.96% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 6.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.33% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $768 | — | $768 | 8.93% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $430 | $1K | — |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DRIVE FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $183 | $631 | — |
| PARKER RUSSELL3 | 1880 SEMINOLE CT FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | — |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | — | $304 | — |
| SHEILA J PURSELL3 Filed as: SHEILA PURSELL | 12 CUMBRIAN DR BELLA VISTA, AR 72714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $13 | $297 | — |
| KYLE HARDING3 | 105 EAST BROAD ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $95 | $163 | — |
| DAVID GRAVES3 | 22575 MEADOW ST SILOAM SPRINGS, AR 72761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | — |
| DONNA M GEABHART3 Filed as: DONNA GEABHART | 1207 S 4TH ST ROGERS, AR 72756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $18 | $107 | — |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $8 | $64 | — |
| TANA L MAY3 Filed as: TANA MAY | 1820 MAY LANE HARRISON, AR 72601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $28 | $56 | — |
| MATTHEW WILLIAM NICKERSON3 | 5873 W KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | — |
| JOHN PHILIP DARR3 | 1126 FORREST PARK WAY GREENWOOD, AR 72936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | — |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 174 | $535K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 200 | $83K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 103 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $69K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.