| 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 | — | $815K | $815K | 7.04% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 1.47% |
| SCOTT W HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $9K | — | $9K | 2.15% |
| SCOTT W HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $49K | — | $49K | 13.18% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | NATIONAL GUARDIAN LIFE INSURANCE CO | $15K | — | $15K | 6.20% |
| TRACEY HINRICHS3 | 7850 WOODGLEN DRIVE WEST CHESTER, OH 45069 | TRUSTMARK INSURANCE COMPANY | $79K | — | $79K | 36.37% |
| SCOTT W HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | AMERICAN GENERAL LIFE | $1K | — | $1K | 1.57% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | AMERICAN GENERAL LIFE | $866 | — | $866 | 1.18% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 300 DAVIDSON AVENUE 1ST FLOOR EAST WING SOMERSET, NJ 08875 | TRANSAMERICA LIFE INSURANCE COMPANY | $898 | — | $898 | 13.55% |
| HEALTH SPECIAL RISK, INC.7 Filed as: HEALTH SPECIAL RISK INC | HSR PLAZA II 4100 MEDICAL PARKWAY CARROLLTON, TX 75007 | CIGNA GROUP INSURANCE | $946 | — | $946 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Claims processing Service code 12 | — | $86K |
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 | 4,116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD DBA BLUEADVANTAGE ADMINISTRATORS OF AR | 1,951 | $11.6M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 4,079 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 4,116 | $243K |
| Life insurance(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,345 | $1.5M |
| Short-term disability(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 2,333 | $992K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,345 | $1.0M |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD DBA BLUEADVANTAGE ADMINISTRATORS OF AR | 1,951 | $11.6M |
| Other(4 contracts, 4 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 2,345 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.