| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $19K | — | $19K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 10.70% |
| 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 | $3K | $1K | $4K | 22.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | -$37 | -$37 | -0.22% |
| ENROLLEASE3 Filed as: HAGAN NEWKIRK FINANCIAL SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$110 | — | -$110 | -0.64% |
| 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 | $976 | $3K | 22.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | -$32 | -$32 | -0.22% |
| ENROLLEASE3 Filed as: HAGAN NEWKIRK FINANCIAL SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$96 | — | -$96 | -0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $701 | — | $701 | 6.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $531 | — | $531 | 10.56% |
| CHARLES PEYTON HENRY3 | 299 PHILLIP ROAD OXFORD, MS 38655 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 1.63% |
| 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 | $124 | $50 | $174 | 20.96% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 81 | $654K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 78 | $44K |
| Vision | VISION SERVICE PLAN | 73 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $14K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 81 | $654K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.