| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 100 LITTLE ROCK, AR 722014451 | UNITED HEALTHCARE INSURANCE COMPANY | — | $77K | $77K | 3.25% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNITED HEALTHCARE INSURANCE COMPANY | — | $77K | $77K | 3.22% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | SYMETRA LIFE INSURANCE COMPANY | $23K | — | $23K | 16.80% |
| RISK STRATEGIES COMPANY3 Filed as: RSG SPECIALTY | 155 NORTH WACKER DRIVE, SUITE 4000 CHICAGO, IL 60606 | AXIS INSURANCE COMPANY | $4K | — | $4K | 25.00% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 490 | $2.4M |
| Dental | DELTA DENTAL OF ARKANSAS, INC | 608 | $252K |
| Vision | DELTA DENTAL OF ARKANSAS, INC | 608 | $252K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 202 | $138K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 202 | $138K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 202 | $138K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 490 | $2.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 234 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.