| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | UNITED HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.06% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | PRUDENTIAL | $6K | — | $6K | 0.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOC., INC. | 1655 RICHMOND AVE. STATON ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $98 | — | $98 | 15.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $98 | — | $98 | 15.03% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH INSURANCE COMPANY | 274 | $2.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 339 | $721K |
| Vision | UNITED HEALTH INSURANCE COMPANY | 274 | $2.1M |
| Life insurance | PRUDENTIAL | 225 | $631K |
| Short-term disability | PRUDENTIAL | 225 | $631K |
| Long-term disability | PRUDENTIAL | 225 | $631K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL | 225 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.