| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 2.57% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.46% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | VISION SERVICE PLAN | $10K | $0 | $10K | 7.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $26K | — | $26K | 17.76% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 26 - SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 14.72% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $21K | — | $21K | 19.14% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 26 - SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 17.38% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | PO BOX 3507 LITTLE ROCK, AR 722033507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $981 | $22K | 22.64% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $446 | — | $446 | 0.46% |
| FARRIS AGENCY3 | PO BOX 460 CONWAY, AR 72033 | THE CINCINNATI LIFE INSURANCE COMPANY | $100 | — | $100 | 3.69% |
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 | 963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 974 | $537K |
| Vision | VISION SERVICE PLAN | 868 | $148K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,306 | $364K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,306 | $264K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,306 | $264K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,306 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.