| 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 | — | $1.1M | $1.1M | 10.28% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 722014402 | PRINCIPAL LIFE INSURANCE COMPANY | $71K | — | $71K | 7.45% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE, LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $13K | — | $13K | 1.61% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 0.33% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 16.42% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.58% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722039481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 13.90% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.79% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $558 | — | $558 | 0.66% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 0.26% |
| MID MISSOURI INSURANCE AGENCY INC3 Filed as: MID MISSOURI INS AGCY INC | PO BOX 52 BOLIVAR, MO 65613 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| LORI LEE NEGRE3 | 204 NORTHGATE AVE MONETT, MO 65708 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JASEN BOICE3 | 1009 S NEOSHO BLVD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| PHIL E WISE3 | 17778 LOCUST RD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BARRY ROE4 | 350 INDIAN HILLS DR CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 34.24% |
| THE HATCHER AGENCY4 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $52 | — | $52 | 0.56% |
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 | 1,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 2,168 | $10.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,644 | $781K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,091 | $171K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,451 | $952K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,451 | $952K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,451 | $952K |
| Prescription drug | HEALTH ADVANTAGE | 2,168 | $10.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 368 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,644 | — |
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.