| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $46K | $46K | 4.76% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 12.59% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 7.85% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $348 | $2K | 6.54% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $551 | $808 | 2.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 WEST THIRD ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | — | $715 | 2.45% |
| WILLIAM BUCKNER3 Filed as: WILLIAM SCOTT BOBO | 4102 FOREST DALE DR LITTLE ROCK, AR 72223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | — | $683 | 2.34% |
| ANIMAL EMPIRE INC3 Filed as: ANIMAL EMPIRE, INC. | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.52% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.45% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.18% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.16% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $10 | $44 | 0.15% |
| JENNIFER GRIGGS3 | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.14% |
| JOHN D WALTERS3 | 211 GLENN OAK BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.12% |
| LANDON WAYNE TRUSTY3 | 118 GREEN MOUTAIN CT. HOT SPRINGS, AR 71901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.10% |
| ASHLEY NICOLE BOLHOFNER3 | 164 THORNTON FERRY RD APT A3 HOT SPRINGS, AR 71913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| WENDY SUE GERSHOW3 | 3217 STAR AVE OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| DON M BROOKS3 | P.O. BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 247 | $984K |
| Dental | AETNA LIFE INSURANCE CO. | 263 | $95K |
| Vision | AETNA LIFE INSURANCE CO. | 263 | $95K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $29K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $29K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 247 | $955K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.