| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 13.11% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $2K | — | $2K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | — | $1K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DR., STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | GUARDIAN LIFE | $1K | $1K | $3K | 18.61% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 10.90% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $986 | — | $986 | 13.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DR., STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 182.60% |
| GALLAGHER BENEFIT SERVICES, INC. | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $39 | — | $39 | 11.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 NONE | Contract Administrator; Other services; Claims processing Service code 12 | — | $152K |
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. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 458 | $165K |
| Vision | VISION SERVICE PLAN | 207 | $48K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $5K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 87 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $33K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE CO. | 194 | $362K |
| Other(6 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 269 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.