| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 0.78% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $57K | — | $57K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49K | — | $49K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 3.92% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722039481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50K | — | $50K | 49.94% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| ALBERT SMITH3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5 STAR LIFE INSURANCE COMPANY | $19K | — | $19K | 22.37% |
| BROKER SOLUTIONS INC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $5K | — | $5K | 5.72% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $5K | — | $5K | 5.70% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA VISION PLAN OF ARKANSAS | $4K | — | $4K | 9.85% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $739 | — | $739 | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $790 | $6K | 23.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $527 | — | $527 | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $627 | $5K | 23.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $418 | — | $418 | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $230 | $3K | 22.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $230 | — | $230 | 2.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $170 | $2K | 22.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | — | $170 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CLAIMS PROCESSING | Claims processing Service code 12 | — | $389K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST WAUSAU, WI 544034875 | $242K |
| STEPHENS INSURANCE LLC EIN 20-5068534 BROKER | Insurance agents and brokers; Other commissions Service code 22 | PO BOX 3507 LITTLE ROCK, AR 722039481 | $195K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | $19K |
| AVANT SPECIALITY BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 1828 WALNUT STREET STE 801 KANSAS CITY, MO 64108 | $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 | 819 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 1,663 | $528K |
| Vision(2 contracts) | DELTA VISION PLAN OF ARKANSAS | 1,381 | $126K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 887 | $246K |
| Other(9 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 900 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,663 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.