| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $660 | $2K | 10.89% |
| ENROLLEASE3 Filed as: HAGAN NEWKIRK FINANCIAL SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $494 | $494 | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $651 | $2K | 10.77% |
| ENROLLEASE3 Filed as: HAGAN NEWKIRK FINANCIAL SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $495 | $495 | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $697 | — | $697 | 5.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | $26 | $85 | 10.83% |
| ENROLLEASE3 Filed as: HAGAN NEWKIRK FINANCIAL SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 7.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20 | $20 | 2.55% |
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 | 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 |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 78 | $647K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 73 | $43K |
| Vision | VISION SERVICE PLAN | 69 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $20K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 78 | $647K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.