| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $9K | $33K | 19.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL OF ARKANSAS | $12K | — | $12K | 9.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | 315 WEST 3RD STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 587 | $1.1M |
| Dental | DELTA DENTAL OF ARKANSAS | 402 | $117K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 353 | $24K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $165K |
| Prescription drug | HEALTH ADVANTAGE | 587 | $1.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.