| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.64% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.33% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.06% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| STEPHENS INSURANCE LLC | P.O. BOX 3507 LITTLE ROCK, AR 72203 | SUPERIOR VISION PLAN | $3K | — | $3K | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 ADMINISTRATIVE SERVICES | Direct payment from the plan; Claims processing Service code 12 | 2000 W UNIVERSITY STREET SILOAM SPRINGS, AR 72761 | $177K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $21K |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 692 | $230K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 260 | $38K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 295 | $94K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 295 | $94K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 295 | $94K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 0 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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."
No prospect flags tripped on this filing.