| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 16.23% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 9.82% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 9.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOKIO MARINE EIN 35-1817054 TRANSPLANT; STOP LOSS | Insurance services Service code 23 | — | $130K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $71K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 178 | $72K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 149 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $125K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $125K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 90 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.