| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.87% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $9K | 10.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 14.87% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.30% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 6.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 4.71% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $902 | — | $902 | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | DELTA DENTAL PLAN OF ARKANSAS | $642 | — | $642 | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 16.70% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $717 | — | $717 | 8.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC EIN 26-3554645 BROKER | Plan Administrator Service code 14 | — | $16K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 BROKER | Plan Administrator Service code 14 | — | $13K |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 148 | $62K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 130 | $11K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $79K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
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.