| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC. | P.O. BOX 3870 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $243K | — | $243K | 13.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $18K | $5K | $23K | 1.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $15K | — | $15K | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS SOUTHWEST INC | 315 WEST 3RD STREET EASTON, PA 18040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | 25.86% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP AR LLC | 8315 CANTRELL ROAD STE 200 LITTLE ROCK, AR 722272355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY B2 STE 600 AUSTIN, TX 78746 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $17K | — | $17K | 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 | — | $47K | $47K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $972K |
| AON CONSULTING OF NEW JERSEY INC BROKER | Other commissions Service code 55 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | $0 |
| AON RISK SERVICES CENTRAL INC. BROKER | Other commissions Service code 55 | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 60675 | $0 |
| AON RISK SERVICES SOUTHWEST INC. EIN 75-1317377 BROKER | Other commissions Service code 55 | P.O. BOX 3870 LITTLE ROCK, AR 722033870 | $0 |
| AON RISK SVCS SOUTHWEST INC. BROKER | Other commissions Service code 55 | 315 WEST 3RD STREET EATON, 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 | 2,166 | 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) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,961 | $0 |
| Dental | DELTA DENTAL OF ARKANSAS | 3,365 | $764K |
| Vision | VISION SERVICE PLAN | 1,390 | $170K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,963 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,963 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,963 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,365 | — |
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.