| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $1K | $24K | 15.89% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 9.30% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 9 GREENWAY PLAZA, SUITE 1200 HOUSTON, TX 77046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 44.38% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | PO BOX 3507 LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.01% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $22K |
| Vision | VISION SERVICE PLAN | 155 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $153K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $153K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.