Arkansas Federal Credit Union
Updated Filing received by DOL
Arkansas Federal Credit Union, a finance & insurance employer in Little Rock, Arkansas, reported 417 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.0M in insurance premiums across 13 contracts and $86,593 in broker commissions and fees, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 10, 2026, before the deadline.
Who was paid on Arkansas Federal Credit Union's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Arkansas Federal Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Stephens Insurance LLC · Fayetteville, AR | $60,469 | $8,146 | $68,615 | 12 |
| Dustin Price · Sherwood, AR | $7,882 | $826 | $8,708 | 8 |
| Albert Smith · Little Rock, AR | $3,914 | $0 | $3,914 | 1 |
| Afcu Insurance Solution LLC · Little Rock, AR | $2,190 | $0 | $2,190 | 2 |
| Maria Vandyke · Maumelle, AR | $896 | $0 | $896 | 8 |
| Jerry Duncan · Fayetteville, AR | $733 | $0 | $733 | 8 |
| Smith Albert · Little Rock, AR | $696 | $0 | $696 | 3 |
| Gallagher · Rogers, AR | $570 | $0 | $570 | 3 |
| Arkansas Blue Cross Blue Shield, a · Little Rock, AR | $246 | $0 | $246 | 3 |
| Acrisure · Little Rock, AR | $25 | $0 | $25 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Arkansas Blue Cross and Blue Shieldhealth, prescription drug, PPO | 391 | $2.7M | — | — |
| Arkansas Blue Cross and Blue Shielddental | 419 | $283,182 | $15,209 | 5.4% |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 46 | — | $4,292 | — |
| Usable Lifecoverage not coded | 545 | — | $1,027 | — |
| American Heritage Life Insurance Companylife | 89 | — | $11,210 | — |
| Usable Lifecoverage not coded | 1,005 | — | $6,736 | — |
| Arkansas Blue Cross and Blue Shieldvision | 414 | — | $7,330 | — |
| Usable Lifelife | 545 | — | $4,821 | — |
| Usable Lifeshort-term disability | 209 | — | $10,087 | — |
| Usable Lifelife | 433 | — | $1,449 | — |
| Usable Lifelong-term disability | 433 | — | $1,607 | — |
| Usable Lifecoverage not coded | 749 | — | $9,917 | — |
| Usable Lifeindemnity | 453 | — | $12,908 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Arkansas Federal Credit Union compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $6,832 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 417 | 417 | +0.0% |
| Premiums filed | $2,658,454 | $2,954,419 | +11.1% |
| Broker commissions + fees | $65,409 | $86,593 | +32.4% |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Arkansas Federal Credit Union Employee Benefits Plan#501 · insurance | December 31, 2025 | June 10, 2026 | before deadline | 417 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Arkansas Federal Credit Union pay in health insurance broker commissions in 2025?
Arkansas Federal Credit Union's 2025 Form 5500 reports $86,593 in broker commissions and fees across 13 insurance contracts ($77,621 in commissions, $8,972 in fees), with Stephens Insurance LLC receiving the largest share.
Is Arkansas Federal Credit Union's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Arkansas Blue Cross and Blue Shield.
How does Arkansas Federal Credit Union's broker compensation compare with similar employers?
Arkansas Federal Credit Union paid 0.0% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Arkansas is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.