| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 620 SOUTH TWENTY FIRST STREET FORT SMITH, AR 72901 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 4.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $5K | — | $5K | 15.00% |
| PEW, JAMES3 Filed as: PEW JAMES | 320 WEST CAPITAL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $377 | — | $377 | 1.25% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $5K | — | $5K | 25.00% |
| PEW, JAMES3 Filed as: PEW JAMES | 320 WEST CAPITOL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 5.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 15.00% |
| PEW, JAMES3 Filed as: PEW JAMES | 320 WEST CAPITOL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $558 | — | $558 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 17.00% |
| BORDEN ROY N. AGENCY3 | PO BOX 55188 LITTLE ROCK, AR 72215 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $624 | $624 | 17.01% |
| BORDEN ROY N. AGENCY3 | PO BOX 55188 LITTLE ROCK, AR 72215 | HARTFORD LIFE AND ACCIDENT | $550 | — | $550 | 14.99% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $547 | — | $547 | 24.99% |
| PEW, JAMES3 Filed as: PEW JAMES | 320 WEST CAPITOL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $109 | — | $109 | 4.98% |
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DRIVE LITTLEROCK, AR 72203 | USABLE LIFE | $71 | — | $71 | 443.75% |
| CLEVE LEWIS3 | 2718 CROOKED STICK BENTON, AR 72219 | USABLE LIFE | $10 | — | $10 | 62.50% |
| JAMES PEW3 | 2960 FRANKLIN CIRCLE CONWAY, AR 72034 | USABLE LIFE | $1 | — | $1 | 6.25% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 147 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 131 | $70K |
| Vision(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 131 | $70K |
| Short-term disability | USABLE LIFE | 113 | $30K |
| Long-term disability | USABLE LIFE | 44 | $11K |
| Prescription drug | HEALTH ADVANTAGE | 147 | $1.1M |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 153 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.