| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT MANAGEMENT3 Filed as: PREMIER BENEFIT MANAGEMENT LLC | 1400 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $71K | $71K | 4.86% |
| PREMIER BENEFIT MANAGEMENT3 Filed as: PREMIER BENEFIT MANAGEMENT, LLC | 701 WEST 7TH STREET SUITE 111 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 10.11% |
| PREMIER BENEFIT MANAGEMENT3 | 1400 BROOKWOOD LITTLE ROCK, AR 72202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.80% |
| PREMIER BENEFIT MANAGEMENT3 | 1400 BROOKWOOD LITTLE ROCK, AA 72202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.70% |
| PREMIER BENEFIT MANAGEMENT3 Filed as: PREMIER BENEFIT MANAGEMENT LLC | 1400 BROOKWOOD LITTLE ROCK, AR 72202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 23.58% |
| PREMIER BENEFIT MANAGEMENT3 | 1400 BROOKWOOD DRIVE LITTLE ROCK, AR 72209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PREMIER BENEFIT MANAGEMENT3 | 1400 BROOKWOOD LITTLE ROCK, AR 72202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| PREMIER BENEFIT MANAGEMENT3 | 1400 BROOCKWOOD DRIVE. LITTLE ROCK, AR 72202 | PROSPERITY LIFE GROUP | $5K | — | $5K | 191.51% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 BLOOMINGTON, MN 55439 | PROSPERITY LIFE GROUP | $5K | — | $5K | 170.18% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS, LLC | 10100 WEST 87TH STREET SUITE 201 OVERLAND PARK, KS 66212 | PROSPERITY LIFE GROUP | $2K | — | $2K | 63.87% |
| PREMIER BENEFIT MANAGMENT3 | 1400 BROOKWOOD LITTLE ROCK, AR 72202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 20.04% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 176 | $91K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 142 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $61K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $18K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.