| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 2701 ALBRIGHT RD KOKOMO, IN 46902 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 1.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 1.24% |
| REGIONS INSURANCE INC3 | P O BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 21.04% |
| REGIONS INSURANCE INC3 | P O BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.24% |
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DR STE 200 LITTLE ROCK, AR 72202 | VISION SERVICE PLAN INSURANCE COMPANY | $6K | — | $6K | 7.56% |
| MCGRIFF INSURANCE SERVICES INC3 | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | VISION SERVICE PLAN INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| REGIONS INSURANCE INC3 | P O BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.97% |
| REGIONS INSURANCE INC3 | P O BOX 2153 BIRMINGHAM, AL 35287 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.92% |
| REGIONS INSURANCE INC3 | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| REGIONS INSURANCE INC3 | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC. EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | 2300 MAINE STREET IRVINE, CA 92614 | $771K |
| UMR INC EIN 39-1995276 NONE | Claims processing Service code 12 | P O BOX 1087 WAUSAU, WI 544021087 | $277K |
| BLUE CROSS BLUE SHIELD EIN 71-0226428 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Plan Administrator Service code 12 | P O BOX 3743 LITTLE ROCK, AR 72203 | $14K |
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 | 637 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 541 | $177K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 618 | $344K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 551 | $73K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 637 | $134K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 622 | $37K |
| Prescription drug | SIRIUS AMERICA INSURANCE COMPANY | 541 | $177K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 541 | $177K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 637 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.