| 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 | $15K | — | $15K | 0.78% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | $17K | $99K | 6.00% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | $17K | $99K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $8K | $68K | 8.50% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $8K | $68K | 8.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $13K | $28K | 3.54% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 2.31% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $65K | — | $65K | 17.46% |
| 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 | $65K | — | $65K | 17.46% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $5K | $46K | 14.70% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $5K | $46K | 14.62% |
| RICHARD J CAZZELL3 | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.00% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $18K | $5K | $23K | 14.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANAWHA INSURANCE COMPANY | $13K | — | $13K | 8.16% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | KANAWHA INSURANCE COMPANY | $6K | $4K | $10K | 6.44% |
| MACK, BENJAMIN3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | MANHATTAN LIFE INSURANCE COMPANY | $11K | — | $11K | 7.26% |
| LOCKTON COMPANIES, LLC3 | 111 E. KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | MANHATTAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MANHATTAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.34% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $6K | — | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $611 | — | $611 | 15.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $407 | — | $407 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARKANSAS EIN 71-0226428 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.1M |
| STEVEN P. JOHNSON, D.O., PLLC EIN 71-0846480 ON-SITE CLINIC MANAGER | Contract Administrator; Plan Administrator Service code 13 | — | $578K |
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 | 5,759 | 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) | 5,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 8,684 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,637 | $327K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,759 | $2.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,167 | $1.7M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,759 | $2.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 5,482 | $667K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,770 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,684 | — |
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.