| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5401 ROGERS AVE. FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 25.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $762 | $762 | 1.22% |
| WOLFF GUY3 Filed as: WOLFF, GUY | P.O. BOX 80324 CHARLESTON, SC 29416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 750 WOODLANDS PARKWAY, SUITE 200 RIDGELAND, MS 391575222 | VISION SERVICE PLAN | $935 | — | $935 | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $185 | — | $185 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3600 AMERICAN BLVD, SUITE 500 BLOOMINGTON, MN 55431 | USABLE LIFE | $1K | — | $1K | 15.00% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $496 | — | $496 | 6.33% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $60 | — | $60 | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 901 N. 47TH RODGERS, AR 72756 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 4.91% |
| CALLETA PARTNERS LLC4 | 11775 CALLETA CT. PALM BEACH GARDENS, FL 33418 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $10 | — | $10 | 1.64% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 353 | $1.6M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 320 | $105K |
| Vision | VISION SERVICE PLAN | 140 | $21K |
| Life insurance | USABLE LIFE | 174 | $8K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 125 | $70K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 353 | $1.6M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 174 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
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.