| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | QCA HEALTH PLAN | $49K | — | $49K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FLOOR 14 ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | UNICARE LIFE & HEALTH INSURANCE CO. | $9K | $739 | $10K | 13.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 15.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | NATIONAL GUARDIAN LIFE INS. CO. | $3K | — | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD SUITE 1410 LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 9.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $193 | $1K | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD SUITE 410 LITTLE ROCK, AR 72223 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 23.63% |
| JMC BENEFITS | 1637 SIVERTHORNE DR. LITTLE ROCK, AR 72210 | LEADERS LIFE INSURANCE COMPANY | $134 | — | $134 | 1.49% |
| ASSOCIATED MARKETING GROUP, LLC | 128 SAN JOSE SPRINGDALE, AR 72764 | LEADERS LIFE INSURANCE COMPANY | $131 | — | $131 | 1.46% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 265 | $2.0M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 353 | $100K |
| Vision | NATIONAL GUARDIAN LIFE INS. CO. | 274 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNICARE LIFE & HEALTH INSURANCE CO. | 2,492 | $84K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 86 | $33K |
| Prescription drug | QCA HEALTH PLAN | 265 | $2.0M |
| Other(4 contracts, 3 carriers) | UNICARE LIFE & HEALTH INSURANCE CO. | 75 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,492 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.