| 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% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $332 | — | $332 | 0.75% |
| BERTRAND'S FIN SERV & INSURANCE3 | 50 IRIS CIR 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% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $282 | — | $282 | 0.75% |
| BERTRANDS FINANCIAL SERVICES & INSU3 | 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 | $1K | — | $1K | 5.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $221 | — | $221 | 0.75% |
| BERTRAND'S FIN SERV & INSURANCE3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $388 | — | $388 | 2.74% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $196 | — | $196 | 1.39% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $29 | — | $29 | 0.21% |
| BERTRANDS FINANCIAL SERVICES & INSU3 | 50 IRIS CIR DRASCO, AR 72530 | USABLE LIFE | $879 | — | $879 | 10.00% |
| JAMES PEW3 | 320 W. CAPTIOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $440 | — | $440 | 5.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $66 | — | $66 | 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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 301 | $2.4M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 296 | $143K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 246 | $41K |
| Life insurance(2 contracts) | USABLE LIFE | 308 | $52K |
| Long-term disability | USABLE LIFE | 68 | $29K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 301 | $2.4M |
| Other(3 contracts) | USABLE LIFE | 308 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.