| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. SUITE 1410 LITTLE ROCK, AR 72201 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $47K | $48K | 2.60% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 8.63% |
| PATRICK C. HICKMAN3 | P.O. BOX 22492 LITTLE ROCK, AR 72221 | ALLSTATE | $19K | — | $19K | 16.05% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | ALLSTATE | $3K | — | $3K | 2.59% |
| BJ ROE & ASSOCIATES3 | P.O. BOX 2349 CONWAY, AR 72033 | ALLSTATE | $3K | — | $3K | 2.37% |
| BARRY J ROE3 | P.O. BOX 2349 CONWAY, AR 72033 | ALLSTATE | $2K | — | $2K | 2.01% |
| BARRY J ROE3 | P.O. BOX 2349 CONWAY, AR 72033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.26% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 10.00% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 562 | $2.0M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 535 | $131K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 445 | $33K |
| Life insurance | ALLSTATE | 127 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.