| 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 | $29K | — | $29K | 9.74% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $9K | $2K | $11K | 12.54% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $4K | $488 | $5K | 5.57% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $10K | $2K | $12K | 17.48% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $3K | $377 | $4K | 5.55% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $5K | $920 | $6K | 17.53% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $2K | $204 | $2K | 5.56% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | METROPOLITAN LIFE | $4K | — | $4K | 9.88% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $2K | $287 | $2K | 17.63% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $545 | $64 | $609 | 5.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1895276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $259K |
| PAYER MATRIX, LLC EIN 81-3946362 | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $100K |
| PRIME THERAPEUTICS MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $20K |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 773 | $295K |
| Vision | METROPOLITAN LIFE | 193 | $36K |
| Life insurance | RELIANCE STANDARD | 380 | $68K |
| Short-term disability | RELIANCE STANDARD | 383 | $86K |
| Long-term disability | RELIANCE STANDARD | 382 | $36K |
| Other(2 contracts) | RELIANCE STANDARD | 400 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.