| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 6.00% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $54 | $10K | 20.68% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $64 | $10K | 21.57% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 10.00% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $36 | $7K | 21.81% |
| RBH INSURE3 | 8130 MACON STATION DRIVE STE 114 CORDOVA, TN 38018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.07% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $32 | $3K | 15.43% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 28.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 NONE | Contract Administrator; Claims processing Service code 12 | P O BOX 3743 LITTLE ROCK, AR 72203 | $203K |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 362 | $1.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 616 | $153K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 434 | $46K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $80K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 521 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $3K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 362 | $1.3M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 521 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.