| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 0.83% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $15K | $87K | 6.00% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $15K | $87K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $8K | $69K | 8.50% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $8K | $69K | 8.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $24K | 3.47% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $15K | 2.21% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $48K | $6K | $54K | 15.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANAWHA INSURANCE COMPANY | $37K | $6K | $42K | 12.10% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | KANAWHA INSURANCE COMPANY | $9K | — | $9K | 2.50% |
| MACK, BENJAMIN3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 5.35% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $5K | $39K | 12.41% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $4K | $38K | 12.18% |
| RICHARD J CAZZELL3 | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $66K | — | $66K | 21.49% |
| 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 | $66K | — | $66K | 21.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARKANSAS EIN 71-0226428 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| STEVEN P. JOHNSON, D.O., PLLC EIN 71-0846480 ON-SITE CLINIC MANAGER | Plan Administrator Service code 14 | — | $331K |
| MEDTRAK EIN 36-4221427 PRESCRIPTION ADMIN | Claims processing 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 | 5,140 | 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) | 5,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 7,542 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,543 | $311K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,140 | $1.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,694 | $1.5M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,140 | $2.2M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,079 | $485K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,140 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,542 | — |
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.