| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, SOUTHWEST INC | P.O. BOX 3870 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $227K | — | $227K | 16.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | P.O. BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 1.03% |
| AON CONSULTING INC Filed as: AON RISH SERVICES CENTRAL INC | 75 REMITTANCE DRIVE DEPT 1926 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, SOUTHWEST INC | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF SOUTHWEST, INC | 315 WEST 3RD STREET EASTON, PA 18040 | AMERICAN HERITAGE LIFE INSURANCE | $38K | — | $38K | 23.90% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP AR LLC | P.O. BOX 3877 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE | $70 | — | $70 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY B2 STE 600 AUSTIN, TX 78746 | AMERICAN HERITAGE LIFE INSURANCE | $9 | — | $9 | 0.01% |
| AON CONSULTING INC Filed as: AON RISK SERVICES OF SOUTHWEST, INC | 315 WEST 3RD STREET LITTLE ROCK, AR 722012411 | VISION SERVICE PLAN | $15K | — | $15K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $36K | $36K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $979K |
| AON CONSULTING OF NEW JERSEY BROKER | Other commissions Service code 55 | P.O. BOX 905494 CHARLOTTE, NC 28290 | $0 |
| AON RISK SERVICES SOUTHWEST INC. EIN 75-1317377 BROKER | Other commissions Service code 55 | P.O. BOX 3870 LITTLE ROCK, AR 72203 | $0 |
| AON RISK SVCS SOUTHWEST INC. BROKER | Other commissions Service code 55 | 315 W. THIRD STREET EASTON, PA 18040 | $0 |
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 | 2,024 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,840 | $0 |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,222 | $705K |
| Vision | VISION SERVICE PLAN | 1,247 | $154K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,847 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,847 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,847 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.