| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFITS CONSULTING GROUP,3 | INC. 7948 EDGEMONT RD HIGDEN, AR 72067 | DENTAL DENTAL PLAN OF ARKANSAS | $17K | — | $17K | 9.99% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | SYMETRA LIFE INSURANCE COMPANY | $15K | $3K | $19K | 13.04% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| PINNACLE BENEFITS CONSULTING GROUP,3 Filed as: PINNACLE BENEFITS CONSULTING GROUP | 7948 EDGEMONT RD GREERS FERRY, AR 720679737 | VISION SERVICE PLAN | $493 | — | $493 | 1.37% |
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 | 442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL DENTAL PLAN OF ARKANSAS | 476 | $174K |
| Vision | VISION SERVICE PLAN | 218 | $36K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 442 | $143K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 442 | $143K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 442 | $143K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 442 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.