| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | TOKIO MARINE | $40K | — | $40K | 9.73% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 20.87% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 8.75% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.25% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 8.75% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $3K | $26K | 50.50% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 19.50% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.25% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.75% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 21.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 8.75% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $2K | $21K | 54.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 21.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $14K | 50.50% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 19.50% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 9.28% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 21.17% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $596 | $795 | $1K | 8.75% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 11.34% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE. 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17 | $22 | $39 | 8.84% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 822 | $153K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 321 | $23K |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $242K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 530 | $76K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 527 | $408K |
| Other(9 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.