| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE - 11038 | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72203 | QCA HEALTH PLAN | $25K | — | $25K | 3.44% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE LLC | 1661 E CYPRESS LANE FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 9.84% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE LLC | P. O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $216 | $5K | 15.75% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE LLC | P. O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $154 | $3K | 15.75% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE LLC | 1661 E CYPRESS LANE FAYETTEVILLE, AR 72703 | DELTA VISION PLAN OF ARKANSAS | $1K | — | $1K | 9.80% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE - 11038 | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72203 | QCA HEALTH PLAN | $372 | — | $372 | 8.02% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURNACE LLC | P. O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $436 | $6 | $442 | 11.60% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 110 | $734K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 179 | $63K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 151 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $29K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.