| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD 11TH FLOOR ROLLINGS MDWS, IL 600084050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $329 | $329 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 11.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $684 | — | $684 | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD 11TH FLOOR ROLLINGS MDWS, IL 600084050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $171 | $171 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD 11TH FLOOR ROLLINGS MDWS, IL 600084050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $126 | $126 | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1244 POWERSCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | DELTA DENTAL PLAN OF ARKANSAS | $817 | — | $817 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 722234623 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 10.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD 11TH FLOOR ROLLINGS MDWS, IL 600084050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $35 | $35 | 0.86% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $812K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 463 | $34K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 417 | $8K |
| Life insurance(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 522 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $782K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 522 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.