| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT TECH RESOURCES | PO BOX 2973 CLINTON, IA 52733 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 35.74% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 2300 CONTRA COSTA BLVD, SUITE 525 PLEASANT HILL, CA 94523 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 23.83% |
| IVY ENROLL LLC3 | 11311 ARCADE DRIVE, SUITE 210 LITTLE ROCK, AR 72212 | TRUSTMARK INSURANCE COMPANY | $786 | — | $786 | 2.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 310 W DICKSON ST, SUITE 35 FAYETTEVILLE, AR 72703 | TRUSTMARK INSURANCE COMPANY | $337 | — | $337 | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $3K | $378 | $4K | 15.37% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $1K | $135 | $1K | 5.86% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $136 | $9 | $145 | 0.62% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $111 | — | $111 | 0.48% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S. 82ND EAST AVENUE TULSA, OK 74133 | USABLE LIFE | $327 | — | $327 | 13.79% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $129 | $28 | $157 | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | — | $78 | $78 | 3.29% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $14 | $2 | $16 | 0.67% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $11 | — | $11 | 0.46% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 295 | $109K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 279 | $24K |
| Life insurance(2 contracts) | USABLE LIFE | 70 | $26K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 125 | $32K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 125 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.