| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST., SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $38K | — | $38K | 2.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186K | — | $186K | 12.45% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | — | $37K | 2.45% |
| CHRIS R MORRIS3 Filed as: CHRIS R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 0.93% |
| JEFFERY TAL WEBB3 | 204 EXECUTIVE COURT SUITE 302 LITTLE ROCK, AR 72205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.38% |
| EDWARD L MARTINA III3 Filed as: EDWARD L. MARTINA, III | 204 EXECUTIVE COURT SUITE 302 LITTLE ROCK, AR 72205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.26% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M. GUTHRIE | 204 EXECUTIVE COURT SUITE 302 LITTLE ROCK, AR 72205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.20% |
| ROGERS BENEFIT GROUP INC3 Filed as: RONALD D. ROGERS | 5405 RANDOLPH ROAD NORTH LITTLE ROCK, AR 72116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| JOHN TIMOTHY MCRAE | 1315 PLEASANT POINTE CIRCLE BRYANT, AR 72022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| ROBERT S SCHULZ3 Filed as: ROBERT S. SCHULTZ | 2995 DALLAS LOOP CONWAY, AR 72034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| JOHN TIMOTHY MCRAE3 | 1315 PLEASANT POINT CIRCLE BRYANT, AR 72022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| MARY HEADLEE KNIGHT3 Filed as: MARY KNIGHT | P.O. BOX 1282 BENTON, AR 72018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $876 | — | $876 | 0.06% |
| TELARA A ADAMS3 Filed as: TELARA A. ADAMS | 204 EXECUTIVE COURT SUITE 302 LITTLE ROCK, AR 72205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | — | $482 | 0.03% |
| CLARENCE SANDERS3 | 9924 STILLMAN DRIVE LITTLE ROCK, AR 72209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | — | $433 | 0.03% |
| ANGELA L STALEY3 Filed as: ANGELA L. STALEY | 901 MARTIN LUTHER KING BLVD SUITE 102 MALVERN, AR 72104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | — | $380 | 0.03% |
| STEPHEN A HOBBS3 Filed as: STEPHEN A. HOBBS | 4116 FOREST DALE DR. LITTLE ROCK, AR 72223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 0.02% |
| ROBIN M CALLAWAY3 Filed as: ROBIN M. CALLAWAY | 5203 CLAYBROOK CT. COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 0.02% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 6.95% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 1.65% |
| CHRIS MORRIS3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| RWG HOUSE ACCT3 | 1020 W. 4TH LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.63% |
| DONALD THOMAS3 | 2150 PORTWOOD WAY C/O MICHAEL CHAPMAN FT. WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.12% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.62% |
| MARK S ATTENDORN3 | P.O. BOX 7 CABOT, AR 72023 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| WILLIAM E WEDDLE3 | P.O. BOX 3198 LITTLE ROCK, AR 72203 | TRANSAMERICA LIFE INSURANCE COMPANY | $724 | — | $724 | 0.55% |
| STEVEN B BROOKINGS3 | 7501 FLINTROCK RD N LITTLE ROCK, AR 721164307 | TRANSAMERICA LIFE INSURANCE COMPANY | $72 | — | $72 | 0.06% |
| KIMBERLY A THOMAS-WALTER3 | 261 MILL POND ROAD CONWAY, AR 72034 | TRANSAMERICA LIFE INSURANCE COMPANY | $53 | — | $53 | 0.04% |
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 | 3,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,400 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 6,583 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,314 | $255K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,400 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,583 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.