| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72203 | QCA HEALTH PLAN | $21K | — | $21K | 3.96% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 10.00% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $203 | $4K | 15.75% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $98 | $2K | 15.75% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, STE 1410 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 10.00% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $582 | $15 | $597 | 15.39% |
| QUALCHOICE LIFE AND HEALTH INS CO3 | 1001 TECHNOLOGY DR STE 401 LITTLE ROCK, AR 72223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $288 | — | $288 | 7.99% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 91 | $539K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 153 | $53K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 123 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $27K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.