| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 3425 NORTH FUTRALL DRIVE, SUITE 201 FAYETTEVILLE, AR 72703 | BLUE CROSS BLUE SHIELD OF TEXAS | $90K | $0 | $90K | 4.34% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $17K | $2K | $19K | 15.43% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.96% |
| REMMEL SOLUTIONS4 | 1183 SWALLOWTAIL WAY NIPOMO, CA 93444 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $697 | $0 | $697 | 21.55% |
| STEPHENS INSURANCE LLC4 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $149 | $0 | $149 | 4.61% |
| PATRICK LEWIS4 | 12400 MARION LANE WEST MINNEAPOLIS, MN 55439 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | $0 | $41 | 1.27% |
| NHB BENEFITS4 | 319 HICKORY STREET WEST STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | $0 | $28 | 0.87% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 293 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 293 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 133 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $125K |
| Short-term disability | STANDARD INSURANCE COMPANY | 190 | $125K |
| Long-term disability | STANDARD INSURANCE COMPANY | 190 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 293 | $2.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.