| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 3.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 2.16% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 2.08% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 1.69% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 327654508 | RELIASTAR LIFE INSURANCE COMPANY | $86K | $19K | $105K | 22.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 4.12% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $2K | $19K | 4.07% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | INC. 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 1.65% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.12% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.86% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.70% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | COMBINED INSURANCE | $23K | — | $23K | 12.31% |
| STEPHENS INSURANCE LLC3 | 3425 NORTH FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | COMBINED INSURANCE | $9K | — | $9K | 5.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | COMBINED INSURANCE | $495 | — | $495 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATIONS EIN 71-0226428 NONE | Direct payment from the plan; Contract Administrator; 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 | 2,892 | 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) | 2,892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 4,843 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,873 | $241K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,860 | $666K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 824 | $205K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,948 | $692K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,685 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,873 | — |
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.