| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | HEALTH ADVANTAGE | — | $18K | $18K | 1.52% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: DIGITAL INSUARNCE, INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 2.28% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES, IN | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $446 | — | $446 | 0.48% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | DELTA DENTAL OF ARKANSAS | $224 | — | $224 | 0.24% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.58% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GRP AR LLC | P.O. BOX 3877 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.86% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 722272357 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 7.59% |
| BANCROPSOUTH INSURANCE SERVICES, IN3 | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $329 | — | $329 | 1.62% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | DELTA DENTAL OF ARKANSAS | $156 | — | $156 | 0.77% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 163 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 164 | $94K |
| Vision | DELTA DENTAL OF ARKANSAS | 161 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $92K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $92K |
| Prescription drug | HEALTH ADVANTAGE | 163 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.