| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | LINCOLN NATIONAL LIFE INS CO. | $6K | — | $6K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | LINCOLN NATIONAL LIFE INS CO. | $3K | — | $3K | 12.96% |
| REGIONS INSURANCE INC3 | P.O. BOX 3198 LITTLE ROCK, AR 72203 | LINCOLN NATIONAL LIFE INS CO. | $441 | — | $441 | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $219 | — | $219 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | LINCOLN NATIONAL LIFE INS CO. | $2K | — | $2K | 13.41% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | LINCOLN NATIONAL LIFE INS CO. | $205 | — | $205 | 1.59% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 217 | $1.0M |
| Dental | ARKANSAS BLUE CROSS & BLUE SHIELD | 232 | $76K |
| Vision | VISION SERVICE PLAN | 120 | $18K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO. | 163 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO. | 165 | $39K |
| Other | LINCOLN NATIONAL LIFE INS CO. | 49 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.