| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 6.59% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 10.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $4K | — | $4K | 7.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 E. CARMEL DR., STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 E. CARMEL DR., STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 12.71% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 34.14% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 12.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S. RIVER GATE DR., STE 200 MIDVALE, UT 84047 | TRUSTMARK INSURANCE COMPANY | $65 | — | $65 | 11.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 NONE | Contract Administrator; Claims processing; Other services Service code 12 | — | $214K |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 508 | $145K |
| Vision | VISION SERVICE PLAN | 226 | $51K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $47K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 96 | $62K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $37K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE CO. | 212 | $415K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.