| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 10.13% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.66% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | NATIONAL GUARDIAN LIFE INS. CO. | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $518K |
| UMR, INC. EIN 39-1895276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $92K |
| INNOVATIVE CAPTIVE STRATEGIES EIN 26-2763468 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PKWY WAKIKEE, IA 50263 | $33K |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $18K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 418 | $143K |
| Vision | NATIONAL GUARDIAN LIFE INS. CO. | 225 | $22K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 244 | $111K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 244 | $111K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 244 | $111K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $18K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 0 | $364K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 244 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.