| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST. STE 1410 LITTLE ROCK, AR 72201 | RELIASTAR LIFE INSURANCE COMPANY | $145K | — | $145K | 14.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $56K | $56K | 5.45% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST., STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | — | $19K | $19K | 1.84% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 0.96% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 0.59% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER STREET LITTLE ROCK, AR 72201 | DELTA VISION PLAN OF ARKANSAS | $43K | — | $43K | 15.51% |
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 | 1,753 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,947 | $681K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 2,534 | $275K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,877 | $1.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,877 | $1.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,877 | $1.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,877 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,947 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.