| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INS SOLUTIONS LLC | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.04% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 19.94% |
| RIEDMUELLER BENEFIT SOLUTIONS LLC3 Filed as: RIEDMUELLER BENEFITSOLUTIONS LLC | 1701 DAVE WARD DRIVE 100 CONWAY, AR 72034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.50% |
| MATTHEW S HEDRICK3 | 25 CHIMNEY SWEEP LITTLE ROCK, AR 72212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.44% |
| RICKY C REYNOLDS3 | 20 BLANKINSHIP DRIVE CONWAY, AR 72032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | — | $461 | 1.07% |
| ANGELA L STALEY3 | 1061 DINGERL ROAD MALVERN, AR 72104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 0.49% |
| ALLISON R DEMPSEY3 | 2393 HIGHWAY 51 NORTH ARKADELPHIA, AR 71923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.08% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INSURANCE SOLUTIONS, LLC | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 10.00% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.63% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVENUE SUITE 202 FORTH SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $513 | — | $513 | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $90 | $90 | 0.34% |
| ALBERT SMITH3 | 185 VILLAS HEIGHTS DRIVE LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $367 | — | $367 | 7.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER OF ROGERS | 901 NORTH 47TH STREET SUITE 303 ROGERS, AR 72756 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $151 | — | $151 | 3.07% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | — | $46 | 0.94% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 242 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $175K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 241 | $38K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $218K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 205 | $43K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $218K |
| Prescription drug | HEALTH ADVANTAGE | 242 | $1.4M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.