| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY Filed as: HCC LIFE INSURANCE SOMPANY | 225 TOWNPARK DRIVE, SUITE 350 KENNESAW, GA 301445509 | TOKIO MARINE | — | — | $0 | 0.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 9.24% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $7K | $2K | $9K | 26.66% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $2K | $284 | $2K | 5.81% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 14 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $829 | $4K | 18.79% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 14 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $553 | — | $553 | 2.89% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | GUARDIAN | $1K | $16 | $1K | 20.43% |
| ASHFORD MID SOUTH LLC3 | — | GUARDIAN | $14 | — | $14 | 0.20% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $275 | $99 | $374 | 27.18% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $69 | $13 | $82 | 5.96% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 235 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $19K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 138 | $54K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 138 | $36K |
| Long-term disability | RELIANCE STANDARD | 138 | $35K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 104 | $258K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.