| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $20K | $2K | $22K | 7.49% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $1K | — | $1K | 0.50% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS ADMINISTRAT | 2461 W SR 26 - SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $23K | — | $23K | 12.76% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $18K | — | $18K | 10.08% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | VISION SERVICE PLAN | $11K | $0 | $11K | 7.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 26 - SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $24K | $0 | $24K | 17.23% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $16K | $0 | $16K | 11.64% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $988 | $27K | 20.68% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2021 2461 W. STATE RD 426 OVIEDO, FL 32765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 9.78% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS, LLC | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.67% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | $0 | $659 | 0.50% |
| FARRIS AGENCY3 | PO BOX 460 CONWAY, AR 72033 | THE CINCINNATI LIFE INSURANCE COMPANY | $100 | $0 | $100 | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $310K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 NONE | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $128K |
| AETNA - PPO EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $102K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $21K |
| ACS - A XEROX COMPANY EIN 36-4129784 NONE | Other services; Claims processing Service code 12 | — | $10K |
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 | 978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,017 | $625K |
| Vision | VISION SERVICE PLAN | 925 | $163K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURNACE COMPANY OF AMERICA | 1,332 | $424K |
| Short-term disability | UNUM LIFE INSURNACE COMPANY OF AMERICA | 1,332 | $289K |
| Long-term disability | UNUM LIFE INSURNACE COMPANY OF AMERICA | 1,332 | $289K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 968 | $710K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURNACE COMPANY OF AMERICA | 1,332 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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.