| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $7K | $14K | 11.69% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $984 | $4K | 3.35% |
| KYLE HARDING3 | 105 EAST BROAD ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 9908 WELLINGTON WAY FORT SMITH, AR 72908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $141 | $3K | 2.79% |
| DONNA M GEABHART3 | 1207 S 4TH STREET ROGERS, AR 72756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $319 | $2K | 1.79% |
| SHEILA J PURSELL3 | 12 CUMBRIAN DR BELLA VISTA, AR 72714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 0.94% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $245 | $928 | 0.78% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | — | $707 | 0.60% |
| JOHN DAVID HARDING3 | 702 W OAK ST NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $26 | $705 | 0.59% |
| MATTHEW WILLIAM NICKERSON3 | 5873 W KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $12 | $411 | 0.35% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $17 | $254 | 0.21% |
| BRYCE ALEXANDER KORNGOLD3 | 25702 PATTERSON PLACE LAGUNA HILLS, CA 92653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | — | $254 | 0.21% |
| MGW SERVICES LLC3 | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $5 | $251 | 0.21% |
| ARIAN E NAWABI3 | 201 DARLINGTON IRVINE, CA 92620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $25 | $141 | 0.12% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $30 | $115 | 0.10% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $57 | $95 | 0.08% |
| JULIANA JILL DODD3 | 925 NORTH VULCAN AVENUE ENCINITAS, CA 92024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $3 | $85 | 0.07% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.06% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $21 | $72 | 0.06% |
| NORMANC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $15 | $53 | 0.04% |
| TANA L MAY3 | 1820 MAY LANE HARRISON, AR 72601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $22 | $44 | 0.04% |
| TARKENTON T DILLARD3 | 6406 EAST PATRICK CT MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $18 | $38 | 0.03% |
| ADRIANA MENDIETA3 | 26448 TOURS STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| AHNE BENEFIT SOLUTIONS LLC3 | 3503 SKYLINE BLVD TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| TINA HERNANDEZ3 | 6442 ROSTRATA ST BUENA PARK, CA 90621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $7 | $18 | 0.02% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 0.01% |
| KING'S INSURANCE SERVICES3 | 223 COZUMEL LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| PARRISH J PEACHEE3 | 201 W 103RD ST. INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| FRANCINE KING3 | 223 COZUMEL LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CAITLIN ELIZABETH HIRCHMAN3 | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 11219 FINANCIAL CENTRE PARKWAY SUITE 311 LITTLE ROCK, AR 72211 | GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PALCE FLOOR 14 ITASCA, IL 60143 | DELTA DENTAL OF ARKANSAS | $9K | — | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $121K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Other commissions Service code 55 | TWO PIERCE PL, 14TH FLOOR ITASCA, IL 60143 | $33K |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 348 | $89K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 353 | $98K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 353 | $216K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 353 | $98K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 267 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.