| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL PLAN OF ARKANSAS | $38K | — | $38K | 9.18% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426, STE 2021 OVIEDO, FL 32765 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 2.50% |
| EXPLAIN MY BENEFITS LLC3 | STE 2021 2461 W STATE ROAD 426 OVIEDO, FL 32765 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 19.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | DBA IBX 1125 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.23% |
| AMERICAN BNFTS & COMP SYS INC3 Filed as: AMERICAN BNFTS & COMP SYSTEMS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $581 | — | $581 | 0.57% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $29 | $29 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $9K | — | $9K | 9.99% |
| EXPLAIN MY BENEFITS LLC3 | STE 2021 2461 W STATE ROAD 426 OVIEDO, FL 32765 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 19.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | DBA IBX 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.23% |
| AMERICAN BNFTS & COMP SYS INC3 Filed as: AMERICAN BNFTS & COMP SYSTEM INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 0.57% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.03% |
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 | 1,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 941 | $5.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,239 | $416K |
| Vision | VISION SERVICE PLAN | 724 | $90K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 941 | $5.3M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 383 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,239 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.