| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN WARREN, AR 71671 | HEALTH ADVANTAGE | $0 | $33K | $33K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72211 | TRUSTMARK INSURANCE COMPANY | $12K | $0 | $12K | 13.64% |
| UNKNOWN3 | UNKNOWN WARREN, AR 71671 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $7K | $0 | $7K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72211 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $8K | $11K | 23.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LEADERS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | LEADERS LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.95% |
| ASSOCIATED MARKETING GROUP, LLC3 | 128 SAN JOSE SPRINGDALE, AR 72764 | LEADERS LIFE INSURANCE COMPANY | $183 | $0 | $183 | 1.89% |
| JMC BENEFITS3 | 1637 SOUTH SILVERTHORNE DRIVE LITTLE ROCK, AR 72210 | LEADERS LIFE INSURANCE COMPANY | $134 | $0 | $134 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $452 | $281 | $733 | 16.22% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 182 | $1.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 208 | $66K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 208 | $66K |
| Life insurance(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 115 | $144K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 70 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $48K |
| Prescription drug | HEALTH ADVANTAGE | 182 | $1.3M |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 115 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.