| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD FL 4 ROLLING MEADOWS, IL 60008 | HEALTH ADVANTAGE | — | $23K | $23K | 2.30% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INSURANCE SOLUTIONS, LLC | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | HEALTH ADVANTAGE | — | $2K | $2K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $54 | $15K | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INS SOLUTIONS LLC | 2424 MARSHALL RD JACKSONVILLE, AR 72076 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.02% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL RD JACKSONVILLE, AR 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 20.03% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 15.12% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL RD JACKSONVILLE, AR 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.90% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.52% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.87% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $679 | — | $679 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $156 | $156 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $120 | $120 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $32 | $32 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 7.72% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INSURANCE SOLUTIONS, LLC | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | DELTA DENTAL PLAN OF ARKANSAS | $688 | — | $688 | 1.60% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL RD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 28.43% |
| MATTHEW S HEDRICK3 | 25 CHIMNEY SWEEP LITTLE ROCK, AR 72212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.90% |
| ANGELA L STALEY3 | 1061 DINGERL RD MALVERN, AR 72104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 1.76% |
| BYRON K BURRELL3 | 2330 QUATTLEBAUM CV CONWAY, AR 72034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 1.13% |
| ALLISON R DEMPSEY3 | 2393 HIGHWAY 51 NORTH ARKADELPHIA, AR 71923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| ALBERT SMITH3 | 185 VILLAS HEIGHTS DR LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $860 | — | $860 | 10.42% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INSURANCE SOLUTIONS | 2424 MARSHALL RD JACKSONVILLE, AR 72076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $427 | — | $427 | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER OF ROGERS | 901 N 47TH ST STE 303 ROGERS, AR 72756 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $353 | — | $353 | 4.28% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | — | $342 | 4.14% |
| MATTHEW S HEDRICK3 | 25 CHIMNEY SWEEP LN LITTLE ROCK, AR 72212 | AFLAC | $2K | — | $2K | 26.42% |
| AFCU INS. SOLUTION, LLC3 | PO BOX 9 JACKSONVILLE, AR 72078 | AFLAC | $815 | — | $815 | 9.97% |
| ANGELA L STALEY3 | 901 MARTIN LUTHER KING BLVD SUITE 102 MALVERN, AR 72104 | AFLAC | $434 | — | $434 | 5.31% |
| ALLISON R DEMPSEY3 | 2393 HIGHWAY 51 N ARKADELPHIA, AR 71923 | AFLAC | $8 | — | $8 | 0.10% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 220 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $252K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 224 | $43K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $317K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 240 | $30K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $252K |
| Prescription drug | HEALTH ADVANTAGE | 220 | $1.0M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.