| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 2153 DEPT 1967 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $13K | 17.12% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 2153 DEPT 1967 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 17.32% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 3198 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | P.O. BOX 2153 DEPT 1967 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $456 | $4K | 17.12% |
| REUBEN WARNER ASSOCIATES, INC. | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $322 | — | $322 | 20.01% |
| REGIONS INSURANCE INC Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DR., #200 LITTLE ROCK, AR 72202 | FEDERAL INSURANCE COMPANY | $241 | — | $241 | 14.98% |
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 | 405 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 633 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $79K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.