| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $44K | $46K | 2.62% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 8.00% |
| PATRICK C. HICKMAN3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 8.35% |
| BARRY J ROE3 Filed as: BARRY J. ROE | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.48% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.65% |
| BJ ROE & ASSOCIATES3 Filed as: BJ ROE & ASSOCIATES LLC | PO BOX 2349 CONWAY, AR 72033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| BARRY J ROE3 Filed as: BARRY J. ROE | PO BOX 2349 CONWAY, AR 72033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6325 RANCH DR LITTLE ROCK, AR 72223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $195 | $195 | 0.44% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET 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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $1.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 542 | $132K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 484 | $34K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 90 | $107K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 90 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $45K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 90 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.