| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY CAPITAL GROUP ARKANSAS, LLC | PO BOX 3877 LITTLE ROCK, AR 722033877 | QCA HEALTH PLAN | $28K | — | $28K | 2.50% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | P.O. BOX 3877 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 10.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 722033877 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | P.O. BOX 3877 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC | PO BOX 3877 LITTLE ROCK, AR 722033877 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 722033877 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | PO BOX 3877 LITTLE ROCK, AR 722033877 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 303 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 249 | $104K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 182 | $17K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $29K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $14K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.