| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE #375 ALPHARETTA, GA 30009 | HEALTH ADVANTAGE | $385K | — | $385K | 11.69% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | $49K | — | $49K | 1.50% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 3.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE #375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 15.06% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE #375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $737 | — | $737 | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.18% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE #375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $222 | — | $222 | 1.02% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST. STE #1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE #375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | — | $73 | 1.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ADVANTAGE EIN 71-0747497 | Contract Administrator Service code 13 | — | $0 |
| STEPHENS INSURANCE | Insurance agents and brokers Service code 22 | 111 CENTER ST. LITTLE ROCK, AR 72201 | $0 |
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 | 841 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 841 | $3.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 944 | $294K |
| Vision | VISION SERVICE PLAN | 303 | $58K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 424 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 424 | $163K |
| Prescription drug | HEALTH ADVANTAGE | 841 | $3.3M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 424 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.
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.