| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | UNITEDHEALTHCARE INSURANCE COMPANY | $487 | $13K | $14K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.52% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $264 | — | $264 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 3.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSURANCE AGENCY LTD0 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$2K | — | -$2K | -5.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.40% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $623K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 196 | $73K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 165 | $24K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 48 | $28K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 48 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.