| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | $54K | $277K | $332K | 14.88% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $12K | — | $12K | 10.01% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.21% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $866 | $7K | 17.21% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $606 | $6K | 16.79% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $616 | $5K | 17.29% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 13.19% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD PT LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 5.42% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS ROAD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $905 | $82 | $987 | 4.77% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $147 | $735 | 3.55% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $18 | $351 | 1.69% |
| JAMES PEW3 Filed as: JAMES R BROGLEN | C/O MCGRIFF INS SERV RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.20% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS BENEFITS INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $12 | $29 | 0.14% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| TRACY HENSON TUTOR3 | 2879 FOSTER DALE CV GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 369 | $2.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 361 | $122K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 169 | $31K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $39K |
| Prescription drug | HEALTH ADVANTAGE | 369 | $2.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.