| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD GILBERT INC,3 Filed as: TODD GILBERT INC. | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 8.00% |
| HAROLD SHERRY3 | 5 EAST 6TH ST MOUNTAIN HOME, AR 72653 | TRANSAMERICA LIFE INSURANCE | $926 | — | $926 | 2.67% |
| HERMAN AGENCY3 | 715 ENTERPRISE DR. OAK BROOK, IL 60523 | TRANSAMERICA LIFE INSURANCE | $590 | — | $590 | 1.70% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $1K | — | $1K | 3.71% |
| TIMOTHY CAIN3 | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $197 | — | $197 | 0.60% |
| JERRY DUNCAN3 | 516 EAST MILSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $39 | — | $39 | 0.12% |
| TWIN LAKES INSURANCE3 Filed as: TWIN LAKE INSURANCE | 707 N. CARDINAL DR. #2 MOUNTAIN HOME, AR 72653 | USABLE LIFE | $143 | — | $143 | 2.98% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $142 | — | $142 | 2.96% |
| TIMOTHY CAIN3 | 855 NICHOLAS ROAD SPRINGDALE, AZ 72762 | USABLE LIFE | $36 | — | $36 | 0.75% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 242 | $477K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 268 | $84K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE | 138 | $68K |
| Long-term disability | USABLE LIFE | 138 | $33K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 242 | $477K |
| Other(2 contracts) | USABLE LIFE | 138 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
No prospect flags tripped on this filing.