| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DELTA DENTAL PLAN OF ARKANSAS | $13K | — | $13K | 0.85% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $10K | $59K | 6.04% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $10K | $59K | 6.04% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $8K | $65K | 8.60% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $8K | $65K | 8.60% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 3.52% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 2.25% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $30K | 11.03% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $30K | 11.03% |
| RICHARD J CAZZELL3 | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | — | $497 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 5.27% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $16K | $361 | $17K | 8.31% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | KANAWHA INSURANCE COMPANY | $12K | — | $12K | 5.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | KANAWHA INSURANCE COMPANY | $4K | $102 | $4K | 2.16% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $27K | — | $27K | 19.59% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $27K | — | $27K | 19.59% |
| TFC INSURANCE AGENCY INC3 Filed as: TFC INSURANCE AGENCY | P.O. BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | AIG PROPERTY CASUALTY U.S. | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | AIG PROPERTY CASUALTY U.S. | $3K | — | $3K | 10.00% |
| THE FARMINGTON COMPANY3 | P.O. BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARKANSAS EIN 71-0226428 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.0M |
| STEVEN P. JOHNSON, D.O., PLLC EIN 71-0846480 ON SITE CLINIC MANAGER | Plan Administrator; Contract Administrator Service code 13 | — | $197K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $99K |
| MEDTRAK EIN 36-4221427 PRESCRIPTION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $16K |
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 | 4,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 6,767 | $1.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,587 | $270K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,719 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,243 | $974K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,719 | $1.5M |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 3,735 | $430K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,624 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,767 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.