| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS INC. | 415 N. MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 6.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4007 ROLLING MEADOWS DR ROGERS, AR 72756 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 3.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS INC. | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 S STONE AVE LA GRANGE, LA 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $979 | $3K | 9.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $325 | $3K | 26.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE SUITE 500 ST LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $570 | — | $570 | 5.27% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $398 | — | $398 | 3.68% |
| ASHFORD MID SOUTH LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS INC. | 415 N. MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | DELTA VISION PLAN OF ARKANSAS | $620 | — | $620 | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4007 ROLLING MEADOWS DR ROGERS, AR 72756 | DELTA VISION PLAN OF ARKANSAS | $305 | — | $305 | 3.39% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 82 | $33K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 74 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $33K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $33K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 71 | $136K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.