| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | STE 801 KANSAS CITY, MO 64108 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 10.00% |
| STEPHENS INSURANCE LLC3 | 134 HICKORY CREEK CIRCLE LITTLE ROCK, AR 72212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $89 | $597 | 5.21% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY LLC | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $46 | $320 | 2.79% |
| DESTINIE N BOREN3 | 27120 GAIL DR BAUXITE, AR 72011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $7 | $218 | 1.90% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICE | P O BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 1.33% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS RD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.94% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.89% |
| GRA GULL ADVISORS LLC3 | PO BOX 60 HATTIEVILLE, AR 72063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.09% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 W KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 487 | $3.0M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 440 | $164K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 436 | $38K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $157K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $168K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $157K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 487 | $3.0M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.