| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST LITTLE ROCK, AR 72201 | TOKIO MARINE | $38K | — | $38K | 4.85% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | TOKIO MARINE | $38K | — | $38K | 4.75% |
| ACRISURE LLC3 | ACRISURE LLC GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $33K | $2K | $35K | 15.98% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | STEPHENS INSURANCE, LLC HOUSTON, TX 77046 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 10.95% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $13K | — | $13K | 8.93% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC. | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 4.15% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $10K | — | $10K | 19.52% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $2K | — | $2K | 4.51% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $256 | — | $256 | 0.48% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | FIRST STOP HEALTH, LLC | $4K | — | $4K | 20.00% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 341 | $147K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $220K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $220K |
| Short-term disability | MANHATTANLIFE ASSURANCE CO OF AMERICA | 56 | $53K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $220K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 194 | $791K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 194 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.