| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $695 | $0 | $695 | 0.13% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $120 | $120 | 0.02% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | PO BOX 3507 LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | $13K | $0 | $13K | 12.43% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | PO BOX 3507 LITTLE ROCK, AR 72203 | ZURICH AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $6K | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | $9 | $699 | 4.76% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 573 | $102K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $554K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $554K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $554K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 849 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.