| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | HEALTH ADVANTAGE | $42K | — | $42K | 2.50% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 2.51% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 19.78% |
| THE PARTNERS GROUP3 Filed as: PARTNERS INSURANCE INC. | 1200 N. MALLARD LANE ROGERS, AR 72756 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | — | $285 | 0.64% |
| DICKINSON AGENCY LLC3 | 5200 HWY 5 STE 2 BRYANT, AR 72022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $1K | — | $1K | 4.55% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.44% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 10.63% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ADVANTAGE | 462 | $1.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 487 | $149K |
| Vision | VISION SERVICE PLAN | 226 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 319 | $14K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 319 | $14K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 319 | $14K |
| Prescription drug | HEALTH ADVANTAGE | 462 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.