| 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 | $15K | $5K | $20K | 20.06% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 2153 DEPT 1967 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 19.95% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 2224 KOKOMO, IN 46904 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 6.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 274099509 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 3.94% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | P.O. BOX 2153 DEPT 1967 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.13% |
| REUBEN WARNER ASSOCIATES, INC. | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $432 | — | $432 | 20.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF, SEIBELS & WILLIAMS | 1500 RIVERFRONT DRIVE, #200 LITTLE ROCK, AR 72202 | FEDERAL INSURANCE COMPANY | $324 | — | $324 | 15.00% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 630 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $99K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.