| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 11.36% |
| REGIONS INSURANCE INC3 | 2701 ALBRIGHT ROAD KOKOMO, IN 469023996 | DELTA DENTAL OF ARKANSAS | $7K | — | $7K | 3.00% |
| REGIONS INSURANCE INC3 | P.O. BOX 3198 LITTLE ROCK, AR 72203 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 722021797 | VISION SERVICE PLAN | $3K | — | $3K | 4.59% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P.O. BOX 3198 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 15.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1500 RIVERFRONT DRIVE STE. 200 LITTLE ROCK, AR 72202 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSOLIDATED ADMIN SERVICES LLC EIN 80-0504117 ADMIN SERVICES | Plan Administrator Service code 14 | P.O. BOX 1513 CABOT, AR 72023 | $11K |
| BLUEADVANTAGE ADMIN OF ARKANSAS EIN 71-0226428 CLAIMS PROCESSOR | Claims processing Service code 12 | P.O. BOX 3743 LITTLE ROCK, AR 72203 | $0 |
| REGIONS INSURANCE INC. INS BROKER | Insurance agents and brokers Service code 22 | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | $0 |
| REGIONS INSURANCE, INC. INS. BROKER | Insurance agents and brokers Service code 22 | 2701 ALBRIGHT ROAD KOKOMO, IN 469023996 | $0 |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 597 | $349K |
| Dental | DELTA DENTAL OF ARKANSAS | 960 | $241K |
| Vision | VISION SERVICE PLAN | 533 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,023 | $251K |
| Short-term disability | STANDARD INSURANCE COMPANY | 503 | $130K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,023 | $155K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 597 | $349K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 796 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.