| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERTRANDS FINANCIAL SERVICES & INSU3 | 50 IRIS CIRCLE DRASCO, AR 72530 | USABLE LIFE | $4K | — | $4K | 10.00% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| BERTRAND'S FIN SERV & INSURANCE3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $3K | — | $3K | 10.00% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| BERTRANDS FINANCIAL SERVICES & INSU3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $2K | — | $2K | 10.00% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BERTRANDS FINANCIAL SERVICES & INSU3 | 50 IRIS CIR DRASCO, AR 72530 | ALLSTATE | $6K | — | $6K | 34.29% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | ALLSTATE | — | — | $0 | 0.00% |
| BERTRAND'S FIN SERV & INSURANCE3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $296 | — | $296 | 2.89% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $156 | — | $156 | 1.52% |
| BERTRANDS FINANCIAL SERVICES & INSU3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $680 | — | $680 | 10.00% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $340 | — | $340 | 5.00% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS BLUE SHIELD | 472 | $1.9M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 448 | $109K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 409 | $27K |
| Life insurance(2 contracts) | USABLE LIFE | 261 | $44K |
| Long-term disability | USABLE LIFE | 76 | $22K |
| Other(3 contracts) | USABLE LIFE | 261 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.