| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72201 | TOKIO MARINE | $14K | — | $14K | 5.12% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TOKIO MARINE | $13K | — | $13K | 4.84% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 7.36% |
| JOHN T STARLING3 Filed as: JOHN STARLING | 8201 CANTRELL RD STE 400 LITTLE ROCK, AR 72227 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.64% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST. SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72201 | FEDERAL INSURANCE COMPANY | $261 | — | $261 | 2.61% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST. SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $453 | — | $453 | 5.27% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $407 | — | $407 | 4.73% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 619 | $119K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 161 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 294 | $144K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 294 | $144K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 408 | $267K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 294 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.