| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, STE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $972 | $20K | $21K | 3.23% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 5.36% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DR, #201 FAYETTEVILLE, AR 72703 | AMERICAN FIDELITY ASSURANCE COMPANY | $344 | — | $344 | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE, #202 FORT SMITH, AR 72903 | AMERICAN FIDELITY ASSURANCE COMPANY | $133 | — | $133 | 1.24% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $86 | — | $86 | 0.80% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P.O. BOX 3507 LITTLE ROCK, AA 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.78% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $654K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 132 | $45K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $643K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 10 | $11K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 10 | $11K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.