| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $104K | $104K | 4.01% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 4.17% |
| KONECNY INSURNACE SERVICES3 | 102 W 7TH ST STUTTGART, AR 72160 | USABLE LIFE | $33K | — | $33K | 13.73% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $11K | — | $11K | 4.46% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $979 | — | $979 | 0.41% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $801 | — | $801 | 0.34% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 3.23% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE | 102 W 7TH ST STUTTGART, AR 72160 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.43% |
| MICHAEL C CASEY3 | 21 WESTCHESTER CT LITTLE ROCK, AR 72211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.28% |
| WATCHTOWER BENEFITS, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 508 | $3.4M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 661 | $188K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $128K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 457 | $367K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 457 | $367K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 457 | $367K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 508 | $3.4M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 457 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.