| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFITS CONSULTING GROUP,3 | INC. 135 FOUNTAINBLEAU DRIVE MAUMELLE, AR 72213 | DELTA DENTAL PLAN OF ARKANSAS | $15K | — | $15K | 8.36% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.46% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 9.43% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.18% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.28% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 526 | $182K |
| Vision | VISION SERVICE PLAN | 229 | $39K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 554 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $92K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 554 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.