| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC. | PO BOX 803507 DALLAS, TX 75380 | HARTFORD LIFE AND ACCIDENT | $386K | — | $386K | 16.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $30K | $30K | 1.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $15K | — | $15K | 1.85% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | — | $42K | 18.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 955816 ST. LOUIS, MO 63195 | FIRST STOP HEALTH | $16K | — | $16K | 7.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 955909 SAINT LOUIS, MO 631951446 | VISION SERVICE PLAN | $18K | — | $18K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 10.11% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 8.97% |
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 | 1,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRST STOP HEALTH | 1,785 | $222K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,487 | $833K |
| Vision | VISION SERVICE PLAN | 1,501 | $179K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,791 | $2.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,791 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,791 | $2.4M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,791 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,791 | — |
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.