| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $0 | $0 | $0 | 0.00% |
| CORESOURCE, INC.3 | 1811 RAHLING ROAD, SUITE 100 LITTLE ROCK, AR 72223 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 5.79% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72201 | FEDERAL INSURANCE COMPANY | $2K | $896 | $3K | 22.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | 1811 RAHLING ROAD, SUITE 100 LITTLE ROCK, AR 72223 | $131K |
| AETNA - PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | 1811 RAHLING ROAD, SUITE 100 LITTLE ROCK, AR 72223 | $37K |
| ARKANSAS PREFERRED PROVIDER ORG INC EIN 71-0644846 NONE | Claims processing Service code 12 | 4747 DUSTY LAKE DRIVE, STE 200 PINE BLUFF, AR 71603 | $14K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Plan Administrator; Other services; Claims processing Service code 12 | 115 FIFTH AVENUE NEW YORK CITY, NY 10003 | $9K |
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 | 451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 889 | $126K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 473 | $138K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 473 | $138K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 457 | $124K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 473 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.
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.