| 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 | $3K | $8K | 12.03% |
| KAYLA PROPPS | 130 HEMPSTEAD 352 NASHVILLE, AR 71852 | USABLE LIFE | $1K | — | $1K | 1.88% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 7120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $633 | — | $633 | 1.00% |
| MICHAEL DODSON | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $356 | — | $356 | 0.56% |
| JERRY DUNCAN | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD., STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $208 | — | $208 | 0.33% |
| STEPHENS INSURANCE LLC3 | 3425 N. FUTRALL DRIVE FAYETTEVILLE, AR 72703 | USABLE LIFE | $1K | $2K | $3K | 7.43% |
| BENEFIT ADVISORS SERVICES3 Filed as: BENEFIT ADVISORS GROUP, LLC | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $369 | — | $369 | 1.00% |
| KAYLA PROPPS | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $148 | — | $148 | 0.40% |
| MICHAEL DODSON | #15 TEXARKANA TRAIL TEXARKANA, TX 75503 | USABLE LIFE | $98 | — | $98 | 0.27% |
| JERRY DUNCAN | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EACH MILLSAP RD., STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $26 | — | $26 | 0.07% |
| STEPHENS INSURANCE LLC3 | 3425 N. FUTRALL DRIVE, SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | $1K | $4K | 14.19% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | USABLE LIFE | $314 | — | $314 | 1.00% |
| KAYLA PROPPS | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $234 | — | $234 | 0.74% |
| MICHAEL DODSON | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $123 | — | $123 | 0.39% |
| JERRY DUNCAN | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD., STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $44 | — | $44 | 0.14% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $98K |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 452 | $100K |
| Vision | FIDELITY SECURITY LIFE INS. CO. | 343 | $18K |
| Life insurance | USABLE LIFE | 255 | $63K |
| Short-term disability | USABLE LIFE | 249 | $37K |
| Long-term disability | USABLE LIFE | 249 | $31K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 238 | $495K |
| Other | USABLE LIFE | 255 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.