| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPKA AND ASSOCIATES INC Filed as: STEPKA & ASSOCIATES, INC. | 415 N. MCKINLEY, STE 1050 LITTLE ROCK, AR 72205 | QCA HEALTH PLAN | $29K | — | $29K | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | QCA HEALTH PLAN | $2K | — | $2K | 0.20% |
| STEPKA AND ASSOCIATES INC Filed as: STEPKA & ASSOCIATES, INC. | 415 N. MCKINLEY, STE 1050 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 8.29% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 2.45% |
| STEPKA AND ASSOCIATES INC Filed as: STEPKA & ASSOCIATES, INC. | 415 N. MCKINLEY, STE 1050 LITTLE ROCK, AR 72205 | UNICARE LIFE & HEALTH INSURANCE CO. | $5K | — | $5K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNICARE LIFE & HEALTH INSURANCE CO. | $1K | — | $1K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | NATIONAL GUARDIAN LIFE INS. CO. | $557 | — | $557 | 2.47% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 219 | $1.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 284 | $89K |
| Vision | NATIONAL GUARDIAN LIFE INS. CO. | 203 | $23K |
| Life insurance | UNICARE LIFE & HEALTH INSURANCE CO. | 378 | $62K |
| Prescription drug | QCA HEALTH PLAN | 219 | $1.2M |
| Other | UNICARE LIFE & HEALTH INSURANCE CO. | 378 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.