| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $0 | $0 | $0 | 0.00% |
| STEPHENS INSURANCE LLC3 | 3425 N. FUTRALL DR., SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5K | — | $5K | 7.29% |
| MICHAEL DODSON | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 2.70% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 7120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $701 | — | $701 | 1.00% |
| STEPHENS INSURANCE LLC3 | 3425 N. FUTRALL DRIVE FAYETTEVILLE, AR 72703 | USABLE LIFE | $1K | — | $1K | 3.00% |
| MICHAEL DODSON | #15 TEXARKANA TRAIL TEXARKANA, TX 75503 | USABLE LIFE | $524 | — | $524 | 1.24% |
| BENEFIT ADVISORS SERVICES3 Filed as: BENEFIT ADVISORS GROUP, LLC | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $424 | — | $424 | 1.00% |
| STEPHENS INSURANCE LLC3 | 3425 N. FUTRALL DRIVE, SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | — | $3K | 9.16% |
| MICHAEL DODSON | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $811 | — | $811 | 2.25% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $361 | — | $361 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $85K |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 419 | $86K |
| Life insurance | USABLE LIFE | 245 | $70K |
| Short-term disability | USABLE LIFE | 24 | $42K |
| Long-term disability | USABLE LIFE | 245 | $36K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE CO | 228 | $369K |
| Other | USABLE LIFE | 245 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.