| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 5.51% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS INC. | PO BOX 678967 DALLAS, TX 752678967 | STANDARD INSURANCE COMPANY | $0 | $11K | $11K | 1.45% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $57K | — | $57K | 9.90% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS INC. | PO BOX 678967 DALLAS, TX 752688967 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 1.58% |
| TRACEY HINRICHS3 | 7850 WOODGLEN DRIVE WEST CHESTER, OH 45069 | TRUSTMARK INSURANCE COMPANY | $142K | — | $142K | 36.07% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 15.05% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS INC. | PO BOX 678967 DALLAS, TX 752678967 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.55% |
| SCOTT W HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 6.00% |
| CITISTREET ASSOCIATES, LLC3 | ENTERPRISE GENERAL INSURANCE AGENCY 300 DAVIDSON AVE 1ST FLOOR EAST SOMERSET, NJ 08875 | TRANSAMERICA LIFE INSURANCE COMPANY | $547 | — | $547 | 14.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS EIN 71-0226428 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | OF ARKANSAS PO BOX 3743 LITTLE ROCK, AR 72203 | $857K |
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $95K |
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 | 2,626 | 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) | 2,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 4,473 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,934 | $269K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,538 | $964K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,000 | $338K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,640 | $743K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 560 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,473 | — |
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.