| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | $30K | $181K | 5.45% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | $30K | $181K | 5.45% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $305K | — | $305K | 17.99% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $238K | — | $238K | 14.04% |
| ADP INC3 Filed as: ADP, LLC | 9016 SILVER LAKE DRIVE CEDAR HILLS, UT 84062 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 1.23% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 0.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE | $71K | — | $71K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $12K | $105K | 7.91% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $12K | $105K | 7.91% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $17K | $36K | 3.22% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 2.09% |
| SYSTEMS INC, HEALTH & BENEFIT3 Filed as: SYSTEMS INC. HEALTH & BENEFIT | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $43K | — | $43K | 8.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $43K | — | $43K | 8.91% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.95% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 2.25% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 2.25% |
| CAZZELL, RICHARD, JAMES3 | 915 SOUTH 21ST STREET FORT SMITH, AR 72901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.9M |
| STEVEN P. JOHNSON, D.O., PLLC EIN 71-0846480 ON-SITE CLINIC MANAGER | Contract Administrator; Plan Administrator Service code 13 | — | $652K |
| EPIPHANY RX, LLC RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 278 FRANKLIN ROAD 242 844-820-3260 BRENTWOOD, TN 37027 | $410K |
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 | 7,689 | 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) | 7,689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 11,272 | $2.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,345 | $483K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,689 | $2.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,493 | $3.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,689 | $4.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 11,886 | $1.4M |
| Other(4 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,689 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,886 | — |
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.