| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | POBOX 3877 LITTLE ROCK, AR 72203 | QCA HEALTH PLAN | $28K | — | $28K | 2.50% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | POBOX 3877 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | POBOX 3877 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | THE 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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 284 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 241 | $105K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 213 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $32K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $32K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.