| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | EXCESS RE-SIRIUS POINT | $2K | — | $2K | 1.27% |
| BHC NEXT, LLC3 Filed as: BHC LIFE AND FINANCIAL SERVICES | PO BOX 3529 FORT SMITH, AR 72913 | EXCESS RE-SIRIUS POINT | $1K | — | $1K | 0.79% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN | BLDG 1, SUITE 100 AUSTIN, TX 78729 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 11.76% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | PO BOX 3529 FORT SMITH, AR 72913 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 10.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 10.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $63K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Other commissions Service code 55 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $8K |
| BHC LIFE AND FINANCIAL SERVICES EIN 71-0306269 BROKER | Other commissions Service code 55 | PO BOX 3529 FORT SMITH, AR 72913 | $5K |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 164 | $42K |
| Vision | DELTA DENTAL OF ARKANSAS | 189 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $70K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $70K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $70K |
| Stop-loss / reinsurancereinsurance | EXCESS RE-SIRIUS POINT | 84 | $158K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.