| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 2.78% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 1661 E CYPRESS LN FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 3.21% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 4 C/O ACCOUNTING LITTLE ROCK, AR 72201 | AMERICAN UNITED LIFE INSURANCE COMPANY, | $8K | — | $8K | 15.00% |
| GIS BENEFITS INC3 | 422 WAPONSEE ST MORRIS, IL 60450 | AMERICAN UNITED LIFE INSURANCE COMPANY, | — | $3K | $3K | 5.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | P.O. BOX 3507 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $874K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 245 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $18K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY, | 122 | $53K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY, | 122 | $53K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY, | 122 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.