| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $9K | — | $9K | 13.22% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 77201 | LINCOLN FINANCIAL GROUP | $7K | $1K | $8K | 29.88% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 772014402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 16.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 77201 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $46K |
| STEPHENS INSURANCE, LLC EIN 20-5068534 BROKER | Other commissions Service code 55 | 111 CENTER ST LITTLE ROCK, AR 72201 | $17K |
| INNOVATIVE CAPTIVE STRATEGIES EIN 26-2763468 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRE PARKWAY WAUKEE, IA 50263 | $15K |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 0 | $65K |
| Dental | DELTA DENTAL OF ARKANSAS | 246 | $71K |
| Vision | DELTA DENTAL OF ARKANSAS | 208 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 180 | $24K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 117 | $27K |
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE | 85 | $194K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 180 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.