| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $2K | $13K | 0.62% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 17.82% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $182 | $5K | 15.62% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 9.22% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1400 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $665 | $126 | $791 | 17.84% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE | $0 | $712 | $712 | 22.99% |
| STEPHENS INSURANCE LLC3 | 9 GREENWAY PLAZA STE 1200 HOUSTON, TX 77046 | HARTFORD LIFE AND ACCIDENT INSURANCE | $465 | — | $465 | 15.01% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $2.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 121 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $29K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $2.1M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
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.