| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $2K | $84 | $2K | 5.28% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $968 | — | $968 | 2.55% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $106 | — | $106 | 0.28% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $87 | — | $87 | 0.23% |
| HAROLD SHERRY3 | 5 EAST 6TH ST MOUNTAIN HOME, AR 72653 | TRANSAMERICA LIFE INSURANCE | $861 | — | $861 | 2.53% |
| HERMAN AGENCY3 | 715 ENTERPRISE DR OAK BROOK, IL 60523 | TRANSAMERICA LIFE INSURANCE | $436 | — | $436 | 1.28% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $181 | — | $181 | 3.88% |
| ASI-MH LLC DBA AMERICAN SAFEGUARD3 | PO BOX 725 MOUNTAIN HOME, AR 72654 | USABLE LIFE | $61 | — | $61 | 1.31% |
| TODD GILBERT INC,3 | 713 S. COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $145 | — | $145 | 9.81% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 228 | $779K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 270 | $87K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 228 | $72K |
| Long-term disability | USABLE LIFE | 228 | $38K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 228 | $779K |
| Other(3 contracts) | USABLE LIFE | 228 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.