| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 | 320 W CAPITAL, STE 900 LITTLE ROCK, AR 72201 | USABLE | $9K | — | $9K | 5.21% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE | $2K | — | $2K | 1.30% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE | $2K | — | $2K | 0.88% |
| GROUP SERVICE UNDERWRITERS INC3 Filed as: GROUP SERVICE UNDERWRITERS, INC. | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE | $287 | — | $287 | 0.16% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, STE 1410 LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 16.95% |
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 | 506 | 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) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | USABLE | 506 | $290K |
| Short-term disability(2 contracts, 2 carriers) | USABLE | 506 | $290K |
| Long-term disability(2 contracts, 2 carriers) | USABLE | 506 | $290K |
| Other(2 contracts, 2 carriers) | USABLE | 506 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.