| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 111 COMMERICAL ST SUITE 401 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF ARKANSAS | $39K | — | $39K | 9.26% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426, STE 2021 OVIEDO, FL 32765 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 2.78% |
| EXPLAIN MY BENEFITS LLC3 | STE 2021 2461 W STATE ROAD 426 OVIEDO, FL 32765 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $43K | $44K | 39.89% |
| 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 | $39K | — | $39K | 35.24% |
| 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 | $10K | — | $10K | 9.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6300 BRIDGPOINT PKWY BLDG 3 SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $690 | — | $690 | 0.63% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $96 | $96 | 0.09% |
| 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 | $760 | $30K | $31K | 39.89% |
| 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 | $22K | — | $22K | 28.78% |
| 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 | $7K | — | $7K | 9.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6300 BRIDGPOINT PKWY BLDG 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $489 | — | $489 | 0.63% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.09% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $490 | $19K | $20K | 39.89% |
| 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 | $18K | — | $18K | 35.24% |
| 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 | $5K | — | $5K | 9.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6300 BRIDGPOINT PKWY BLDG 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 0.63% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $44 | $44 | 0.09% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 918 | $5.6M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,173 | $417K |
| Vision | VISION SERVICE PLAN | 689 | $92K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 918 | $5.6M |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 400 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,173 | — |
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.