| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 5.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | $19K | $17K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 2.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 327654508 | RELIASTAR LIFE INSURANCE COMPANY | $179K | $17K | $196K | 47.40% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $82K | — | $82K | 19.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC. 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 1.52% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF AMERICA | -$494 | $6K | $5K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATIONS EIN 71-0226428 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | OF ARKANSAS PO BOX 3743 LITTLE ROCK, AR 72203 | $1.1M |
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 | 2,489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 5,006 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,290 | $275K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,963 | $526K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 875 | $569K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,922 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,006 | — |
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.