| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | HEALTH ADVANTAGE | $11K | — | $11K | 2.50% |
| UNKNOWN3 | — | HEALTH ADVANTAGE | $8K | — | $8K | 2.50% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS, CHRISTOPHER | 100 BLUEGRASS COMMONS BLV #300 HENDERSONVILLE, TN 37075 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 4.29% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLV #300 HENDERSONVILLE, TN 37075 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72120 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 6.72% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 3.28% |
| UNKNOWN3 | — | AFLAC | $9K | $553 | $10K | 16.44% |
| UNKNOWN3 | — | AFLAC | $7K | — | $7K | 14.02% |
| STEPHENS INSURANCE LLC3 | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $2K | $5K | 11.04% |
| THE HATCHER AGENCY3 | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $343 | — | $343 | 0.70% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELTY ASSURANCE COMPNAY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $31 | $1K | 8.45% |
| TENNESSEE AUTOMOTIVE ASSOC3 Filed as: TENNESSEE AUTOMATIVE ASSOC | ROBERTS V WEAVER NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | $655 | $242 | $897 | 6.98% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH ADVANTAGE | 93 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 128 | $76K |
| Life insurance(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 156 | $452K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 68 | $126K |
| Long-term disability(3 contracts, 3 carriers) | AFLAC | 156 | $123K |
| Prescription drug(3 contracts, 2 carriers) | HEALTH ADVANTAGE | 93 | $1.1M |
| Other(2 contracts) | AFLAC | 68 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.