| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $2K | — | $2K | 4.66% |
| KAREN WOODWARD4 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $803 | — | $803 | 2.36% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $88 | — | $88 | 0.26% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $72 | — | $72 | 0.21% |
| HAROLD SHERRY3 | 5 EAST 6TH ST MOUNTAIN HOME, AR 72653 | TRANSAMERICA LIFE INSURANCE | $782 | — | $782 | 2.32% |
| HERMAN AGENCY3 | 715 ENTERPRISE DR. OAK BROOK, IL 60523 | TRANSAMERICA LIFE INSURANCE | $430 | — | $430 | 1.28% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $229 | — | $229 | 4.96% |
| ASI-MH LLC DBA AMERICAN SAFEGUARD3 | PO BOX 725 MOUNTAIN HOME, AR 72654 | USABLE LIFE | $76 | — | $76 | 1.65% |
| TODD GILBERT INC, Filed as: TODD GILBERT INC. | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $203 | — | $203 | 13.73% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $725K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 266 | $87K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 212 | $68K |
| Long-term disability | USABLE LIFE | 212 | $34K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $725K |
| Other(3 contracts) | USABLE LIFE | 212 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.