| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $17K | — | $17K | 2.50% |
| KONECY INSURANCE SERVICES INC3 | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $17K | $604 | $17K | 23.46% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | — | $3K | 4.02% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $330 | — | $330 | 0.44% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $270 | — | $270 | 0.36% |
| KONECNY INSURANCE SERVICES3 | 6901 S DALLAS, SUITE E FORT SMITH, AR 72903 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 7.68% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICES INC | PO BOX 80 STUTTGART, AR 72160 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 159 | $699K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 189 | $49K |
| Life insurance | USABLE LIFE | 104 | $74K |
| Short-term disability | USABLE LIFE | 104 | $74K |
| Long-term disability | USABLE LIFE | 104 | $74K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 159 | $699K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 104 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.