| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | — | $900K | $900K | 10.39% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 722014401 | PRINCIPAL LIFE INSURANCE | $82K | — | $82K | 8.95% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 2.03% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 8.59% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | GUARDIAN | $23K | — | $23K | 18.49% |
| THE HATCHER AGENCY3 Filed as: THE HATCHER AGCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $2K | $7K | $9K | 6.87% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE | $16K | — | $16K | 22.30% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE | $583 | — | $583 | 0.79% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE | $241 | — | $241 | 0.33% |
| MID MISSOURI INSURANCE AGENCY INC3 Filed as: MID MISSOURI INS AGCY INC | P.O. BOX 52 BOLIVAR, MO 65613 | AMERICAN HERITAGE LIFE INSURANCE | $17 | — | $17 | 0.02% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.02% |
| LORI LEE NEGRE3 | 204 NORTHGATE AVE MONETT, MO 65708 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.02% |
| JASEN BOICE3 | 1009 S NEOSHO BLVD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.01% |
| PHIL E WISE3 | 17778 LOCUST RD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.01% |
| BARRY ROE4 | 350 INDIAN HILLS DR. CONWAY, AR 72034 | LEGALSHIELD | $3K | — | $3K | 34.84% |
| THE HATCHER AGENCY4 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | LEGALSHIELD | $208 | — | $208 | 2.60% |
No Schedule C service providers reported on this filing.
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 | 1,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 1,829 | $8.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,287 | $588K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,766 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE | 2,110 | $918K |
| Short-term disability | PRINCIPAL LIFE INSURANCE | 2,110 | $918K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 2,110 | $918K |
| Prescription drug | HEALTH ADVANTAGE | 1,829 | $8.7M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 236 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,287 | — |
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.