| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 601 S GAINES ST. LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | — | $222K | $222K | 12.57% |
| MAX KANE3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | $44K | — | $44K | 2.50% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $882 | $6K | 17.68% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| ROBERT W ALLEN3 | 39 SUNCREST DR CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $140 | $684 | 2.19% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $60 | $624 | 2.00% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $53 | $363 | 1.16% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $25 | $362 | 1.16% |
| JAMES PEW3 Filed as: JAMES R BROGLEN | PO BOX 3198 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.59% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.14% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $22 | $39 | 0.12% |
| KYLE HARDING3 | 520 W. 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $882 | $6K | 17.84% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $632 | $4K | 17.80% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $480 | $3K | 17.51% |
| JACK JONES HOLLINGSWORTH JR3 | 1305 W 46TH AVE PINE BLUFF, AR 71603 | AFLAC | $37 | — | $37 | 6.90% |
| EVELYN J CARROLL3 | 50 MCCORD RD CONWAY, AR 72032 | AFLAC | $10 | — | $10 | 1.87% |
| BARBARA A RIESENBERG3 | 2645 DAYTIME CT GULF BREEZE, FL 32563 | AFLAC | $8 | — | $8 | 1.49% |
| DEWAYNE GOLDWYN SIMPSON3 | 4204 COPPER ROCK DR EDMOND, OK 73025 | AFLAC | $7 | — | $7 | 1.31% |
| ALVIS B RIESENBERG3 | 2645 DAYTIME CT GULF BREEZE, FL 32563 | AFLAC | $5 | — | $5 | 0.93% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $3 | — | $3 | 0.56% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $2 | — | $2 | 0.37% |
| KELLY KING BLEDSOE3 | 37 BRETAGNE CIR LITTLE ROCK, AR 72223 | AFLAC | $1 | — | $1 | 0.19% |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 426 | $1.8M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 373 | $114K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 367 | $25K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 241 | $73K |
| Short-term disability | AFLAC | 1 | $536 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $33K |
| Prescription drug | HEALTH ADVANTAGE | 426 | $1.8M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 241 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.