| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFITS CONSULTING GROUP,3 | INC. 7948 EDGEMONT RD HIGDEN, AR 72067 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 5.83% |
| PINNACLE BENEFITS CONSULTING GROUP,3 | INC. 135 FOUNTAINBLEAU DRIVE MAUMELLE, AR 72113 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 4.19% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 9.26% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.57% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.48% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.62% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 481 | $175K |
| Vision | VISION SERVICE PLAN | 205 | $36K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 487 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $77K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 487 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.