| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $67K | $21K | $88K | 13.46% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $33K | $5K | $37K | 5.71% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W. STATE ROAD 426 STE 2021 OVIDEO, FL 32765 | RELIANCE STANDARD | $0 | $19K | $19K | 2.93% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIDEO, FL 32765 | RELIASTAR INSURANCE COMPANY | $134K | $15K | $149K | 48.67% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | RELIASTAR INSURANCE COMPANY | $61K | $0 | $61K | 19.90% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | INC 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR INSURANCE COMPANY | $0 | $5K | $5K | 1.54% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | DELTA VISION PLAN OF ARKANSAS | $16K | $0 | $16K | 6.97% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE - SUITE 240 ANAHEIM, CA 92806 | TRUSTMARK INSURANCE COMPANY | $149 | $0 | $149 | 0.16% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGDALE ROAD - SUITE 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $80 | $0 | $80 | 0.09% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W. STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $11K | $0 | $11K | 20.00% |
| FARRIS AGENCY3 | PO BOX 460 CONWAY, AR 72033 | CINCINNATI LIFE INSURANCE COMPANY | $1K | $0 | $1K | 37.56% |
| FARRIS AGENCY3 | PO BOX 460 CONWAY, AR 72033 | AUTO OWNERS INSURANCE | $20 | $0 | $20 | 1.00% |
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 | 1,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,709 | $770K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 2,347 | $224K |
| Life insurance(4 contracts, 4 carriers) | RELIANCE STANDARD | 1,424 | $751K |
| Short-term disability | RELIANCE STANDARD | 1,424 | $652K |
| Long-term disability | RELIANCE STANDARD | 1,424 | $652K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD | 1,424 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,709 | — |
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.