| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 729033767 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $24K | — | $24K | 4.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 S JEFFERSON AVE STE 600 SPRINGFIELD, MO 65806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $897 | $897 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF ARKANSAS | $831 | — | $831 | 10.01% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 148 | $494K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 183 | $44K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 148 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $59K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 148 | $494K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.