| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS SERVICE, INC.5 Filed as: CORPORATE BENEFITS SERVICE INC | P O BOX 11937 CHARLOTTE, NC 28220 | HM LIFE INX CO | — | $151K | $151K | 19.72% |
| COMMUNITY INSURANCE PROFESSIONALS3 Filed as: COMMUNITY INS PROFESSIONALS INC | 1325 HARRISON ST BATESVILLE, AR 72501 | HM LIFE INX CO | $107K | — | $107K | 13.99% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | DELTA DENTAL PLAN OF ARKANSAS | $28K | — | $28K | 8.69% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 10.91% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 18.38% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.71% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | VISION SERVICE PLAN | $4K | — | $4K | 6.26% |
| GROUP SERVICE UNDERWRITERS INC3 | P O BOX 2181 LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | $862 | — | $862 | 1.49% |
| MARTIN MCCALL3 Filed as: MARTIN TIMOTHY MCCALL | 315 COUNTY ROAD 782 JONESBORO, AR 72401 | VISION SERVICE PLAN | $862 | — | $862 | 1.49% |
| STEPHEN PHAUP3 | 2821 OVERBROOK CIR NORTH LITTLE ROCK, AR 72116 | VISION SERVICE PLAN | $431 | — | $431 | 0.75% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| COMMUNITY INSURANCE PROFESSIONALS I3 | P O BOX 2800 HARRISON, AR 72503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 21.44% |
| COMMUNITY INSURANCE PROFESSIONALS I3 Filed as: COMMUNITY INSSURANCE PROFESSIONALS | P O BOX 2800 BATESVILLE, AR 72503 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 9.79% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 9.87% |
| COMMUNITY INSURANCE PROFESSIONALS3 | P O BOX 2800 BATESVILLE, AR 72503 | DELTA DENTAL OF ARKANSAS | $182 | — | $182 | 10.39% |
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 | 366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INX CO | 366 | $765K |
| Dental(4 contracts, 2 carriers) | DELTA DENTAL PLAN OF ARKANSAS | 771 | $374K |
| Vision | VISION SERVICE PLAN | 344 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $190K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $100K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $226K |
| Prescription drug | HM LIFE INX CO | 366 | $765K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.