| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 2701 ALBRIGHT ROAD KOKOMO, IN 46902 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 15.00% |
| LEWIS, CLEVE3 | 2908 HIGHWAY 206 EAST YELLVILLE, AR 72687 | USABLE LIFE | $554 | — | $554 | 5.00% |
| BURKS, GEORGE3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $83 | — | $83 | 0.75% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $870 | — | $870 | 15.00% |
| LEWIS, CLEVE3 | 2908 HIGHWAY 206 EAST YELLVILLE, AR 72687 | USABLE LIFE | $290 | — | $290 | 5.00% |
| BURKS, GEORGE3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $43 | — | $43 | 0.74% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $135 | — | $135 | 3.74% |
| LEWIS, CLEVE3 | 2908 HIGHWAY 206 EAST YELLVILLE, AR 72687 | USABLE LIFE | $96 | — | $96 | 2.66% |
| BURKS, GEORGE3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $14 | — | $14 | 0.39% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 69 | $429K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 73 | $34K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 50 | $9K |
| Life insurance | USABLE LIFE | 101 | $4K |
| Short-term disability | USABLE LIFE | 35 | $11K |
| Prescription drug | HEALTH ADVANTAGE | 69 | $429K |
| Other(3 contracts) | USABLE LIFE | 101 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.