| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL | $2K | — | $2K | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 11.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 11.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $967 | — | $967 | 13.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | GUARDIAN LIFE INSURANCE COMPANY | $673 | $471 | $1K | 17.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | LINCOLN NATIONAL LIFE INS CO | $552 | — | $552 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 50.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $64K |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 214 | $49K |
| Vision | DELTA DENTAL | 209 | $16K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 153 | $4K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 58 | $28K |
| Other(5 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 153 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.