| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $33K | $49K | 2.96% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INS SOLUTIONS LLC | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 0.79% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 9.72% |
| AFCU INSURANCE SOLUTIONS, LLC.3 | 2424 MARSHALL ROAD JACKSONVILLE, AA 72076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $597 | — | $597 | 1.02% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFFIT SERVICES INC | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | — | $191 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 27.53% |
| RIEDMUELLER BENEFIT SOLUTIONS LLC3 Filed as: RIEDMUELLER BENEFITSOLUTIONS LLC | 1701 DAVE WARD DRIVE 100 CONWAY, AR 72034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.15% |
| RICKY C REYNOLDS3 | 20 BLANKINSHIP DRIVE CONWAY, AR 72032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $684 | — | $684 | 1.47% |
| MATTHEW S HEDRICK3 | 25 CHIMNEY SWEEP LITTLE ROCK, AR 72212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.46% |
| ANGELA L STALEY3 | 1061 DINGERL ROAD MALVERN, AR 72104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.13% |
| ALLISON R DEMPSEY3 Filed as: ALLISON DEMPSEY | 2393 HIGHWAY 51 NORTH ARKADELPHIA, AR 71923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.28% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.29% |
| AFCU INS. SOLUTION, LLC3 | 2424 MARSHALL ROAD JACKSONVILLE, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 1.38% |
| ALBERT SMITH3 | 185 VILLAS HEIGHTS DRIVE LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $441 | — | $441 | 7.96% |
| 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 | $173 | — | $173 | 3.12% |
| BARRY ROE3 | 3260 TURTLE HILL COVE CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $60 | — | $60 | 1.08% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.45% |
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 | 366 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 374 | $102K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 145 | $34K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 372 | $31K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 374 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.