| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD J CAZZELL3 Filed as: RICHARD J. CAZZELL | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $477 | $8K | 11.82% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP OF ARKANSAS | 8315 CANTRELL ROAD, SUITE 200 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 200 RIVER MARKET AVENUE, SUITE 350 LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| RJC PLANNING GROUP, INC.3 | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $812 | — | $812 | 11.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $34 | $34 | 0.50% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 | 8315 CANTRELL ROAD, SUITE 200 LITTLE ROCK, AR 72227 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $25 | $25 | 0.37% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 128 | $559K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $61K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $64K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $64K |
| Prescription drug | COMMUNITYCARE | 128 | $559K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.