| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $8K | $43K | 28.91% |
| LANA L WILHITE LLC3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 11.39% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $495 | $5K | 3.05% |
| RALPH E ZIMMERMAN3 | 248 E MONASTERY ST #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $185 | $4K | 2.97% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $195 | $4K | 2.41% |
| DEBORAH L MCCURTER3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $169 | $3K | 2.27% |
| ANAHI RIES3 | 3803 N STUDEBAKER RD LONG BEACH, CA 90808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 1.60% |
| LAUREN ELIZABETH SUTLEY3 | 22 MONROE STREET, 3C MONTGOMERY, AL 36104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $403 | $2K | 1.18% |
| EDITH VIEYRA3 | 1432 EAST MARKET STREET LONG BEACH, CA 90805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $173 | $2K | 1.04% |
| NORMA ALICIA PUENTES3 | 9944 CEDAR ST BELLFLOWER, CA 90706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | — | $942 | 0.63% |
| HAD LI ENTERPRISES INCORPORATED3 | 11432 SOUTH ST #303 CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $291 | $574 | 0.38% |
| BRYAN EDWARD BEETS3 | 1028 EAST MAIN STREET PRATTVILLE, AL 36066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $376 | $461 | 0.31% |
| AMY M ESTES3 | 7404 COPPERFIELD DRIVE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $241 | $326 | 0.22% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $102 | $159 | 0.11% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $8 | $76 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 9908 WELLINGTON WAY FORT SMITH, AR 72908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $2 | $57 | 0.04% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $3 | $54 | 0.04% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL RD LITTLE ROCK, AR 72227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $5 | $36 | 0.02% |
| DONNA M GEABHART3 | 1207 S 4TH STREET ROGERS, AR 72756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MGW SERVICES LLC3 | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MARTHA R BAEZ3 | 2179 OLD BRIDGE RD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| BENEFITS COORDINATOR3 | 29448 TOURS STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BRYCE ALEXANDER KORNGOLD3 | 25702 PATTERSON PLACE LAGUNA HILLS, CA 92653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANCINE KING3 | 21802 MIRADOR MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| TINA HERNANDEZ3 | 6442 ROSTRATA ST BUENA PARK, CA 90621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PALCE FLOOR 14 ITASCA, IL 60143 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 0.74% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTLEVILE, AR 72703 | USABLE LIFE | $1K | — | $1K | 4.16% |
| JERRY DUNCAN3 Filed as: JERRY DUNCAN C/O AR BLUE CROSS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $231 | — | $231 | 0.83% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYTTEVILLE, AR 72703 | USABLE LIFE | $823 | — | $823 | 4.16% |
| JERRY DUNCAN3 Filed as: JERRY DUNCAN C/O AR BLUE CROSS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $165 | — | $165 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $314K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $171K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Other commissions Service code 55 | TWO PIERCE PL, 14TH FLOOR ITASCA, IL 60143 | $52K |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 423 | $136K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 366 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 346 | $177K |
| Short-term disability | USABLE LIFE | 201 | $20K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE INSURANCE & HEALTH INS CO. | 285 | $247K |
| Other | USABLE LIFE | 346 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
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.