| 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% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $2K | — | $2K | 4.18% |
| TIMOTHY CAIN3 | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $199 | — | $199 | 0.55% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.11% |
| HAROLD SHERRY3 | 5 EAST 6TH ST MOUNTAIN HOME, AR 72653 | TRANSAMERICA LIFE INSURANCE | $742 | — | $742 | 2.25% |
| HERMAN AGENCY3 | 715 ENTERPRISE DR. OAK BROOK, IL 60523 | TRANSAMERICA LIFE INSURANCE | $438 | — | $438 | 1.33% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $134 | — | $134 | 2.66% |
| TWIN LAKES INSURANCE3 Filed as: TWIN LAKE INSURANCE | 707 N. CARDINAL DR. #2 MOUNTAIN HOME, AR 72653 | USABLE LIFE | $123 | — | $123 | 2.44% |
| TIMOTHY CAIN3 | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $34 | — | $34 | 0.67% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 250 | $500K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 278 | $87K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 132 | $69K |
| Long-term disability | USABLE LIFE | 132 | $36K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 250 | $500K |
| Other(2 contracts) | USABLE LIFE | 132 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.