| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $411 | — | $411 | 1.00% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $365 | — | $365 | 1.00% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $333 | — | $333 | 1.00% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $7K | — | $7K | 24.09% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $1K | — | $1K | 4.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN KAREN BAGLEY 601 S GAINES ST. LITTLE ROCK, AR 72201 | USABLE LIFE | $788 | — | $788 | 2.92% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $208 | — | $208 | 1.25% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $42 | — | $42 | 0.25% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $3K | — | $3K | 22.07% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $568 | — | $568 | 4.41% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN KAREN BAGLEY 601 S GAINES ST. LITTLE ROCK, AR 72201 | USABLE LIFE | $335 | — | $335 | 2.60% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $433 | — | $433 | 5.01% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $87 | — | $87 | 1.01% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 350 | $2.6M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 330 | $146K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 286 | $48K |
| Life insurance(2 contracts) | USABLE LIFE | 367 | $58K |
| Long-term disability | USABLE LIFE | 78 | $33K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 350 | $2.6M |
| Other(5 contracts) | USABLE LIFE | 367 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.