| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $31K | — | $31K | 2.50% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $10K | — | $10K | 9.94% |
| BEAN HAMILTON & ASSOCIATES3 Filed as: BEAN HAMILTON & ASSOCIATES INC | PROSPECT BLDG, #900, 1501 N. UNIVER LITTLE ROCK, AR 72207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $664 | — | $664 | 1.22% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $3K | — | $3K | 10.00% |
| JASON TREECE3 | 1322 HOMESTEAD DR WHITE HALL, AR 71602 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BEAN HAMILTON & ASSOCIATES3 Filed as: BEAN HAMILTON & ASSOCIATES INC | 1501 N UNIVERSITY #900 LITTLE ROCK, AR 72207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $834 | — | $834 | 2.91% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | VISION SERVICE PLAN | $1K | — | $1K | 5.07% |
| BEAN HAMILTON & ASSOCIATES3 Filed as: BEAN HAMILTON & ASSOCIATES INC | PROSPECT BLDG, #900, 1501 N. UNIVER LITTLE ROCK, AR 72207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.57% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | — | $457 | 4.56% |
| STEPHANIE D FREEMAN3 | 6609 ROGERS AVE FORT SMITH, AR 72903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.97% |
| KYLE HARDING3 | 105 EAST BROAD ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $47 | $85 | 0.85% |
| KELSI KONECNY3 | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.55% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 364 | $1.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 295 | $102K |
| Vision | VISION SERVICE PLAN | 160 | $28K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $83K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $25K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 364 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.