| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF ARK3 Filed as: BLUEADVANTAGE ADMINISTRATORS OF AR | P O BOX 3743 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS BLUE SHIELD DBA BLUEADVANTAGE ADMINISTRATORS OF AR | — | $675K | $675K | 5.85% |
| L.A. BENEFIT PLANNING, INC.3 | SUITE #250 11800 CONREY ROAD CINCINNATI, OH 45249 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $10K | — | $10K | 1.97% |
| SCOTT HINRICHS3 | SUITE #250 11800 CONREY ROAD CINCINNATI, OH 45249 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $53K | — | $53K | 12.40% |
| SCOTT W HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | NATIONAL GUARDIAN LIFE INSURANCE CO | $11K | — | $11K | 5.97% |
| SCOTT W HINRICHS3 | SUITE Q 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| SCOTT W HINRICHS3 | SUITE Q 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $21K | — | $21K | 84.74% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 300 DAVIDSON AVENUE 1ST FLOOR EAST WING SOMERSET, NJ 08875 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.71% |
| HEALTH SPECIAL RISK, INC.7 Filed as: HEALTH SPECIAL RISK INC | HSR PLAZA II 4100 MEDICAL PARKWAY CARROLLTON, TX 75007 | CIGNA GROUP INSURANCE | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Claims processing Service code 12 | — | $61K |
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 | 3,592 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ARKANSAS BLUE CROSS BLUE SHIELD DBA BLUEADVANTAGE ADMINISTRATORS OF AR | 1,649 | $11.6M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,592 | $805K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 3,360 | $181K |
| Life insurance(2 contracts) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,973 | $927K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 98 | $17K |
| Long-term disability(2 contracts) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,973 | $927K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD DBA BLUEADVANTAGE ADMINISTRATORS OF AR | 1,649 | $11.5M |
| Other(4 contracts, 3 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,973 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,592 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.