| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | $38 | $2K | 2.99% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $433 | $10 | $443 | 0.86% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $412 | — | $412 | 0.80% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $45 | — | $45 | 0.09% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $37 | — | $37 | 0.07% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | $30 | $1K | 3.06% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $346 | $8 | $354 | 0.86% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $319 | — | $319 | 0.78% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $35 | — | $35 | 0.09% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $29 | — | $29 | 0.07% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $806 | $10 | $816 | 3.05% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $228 | $3 | $231 | 0.86% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $195 | — | $195 | 0.73% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $21 | — | $21 | 0.08% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $18 | — | $18 | 0.07% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $825 | $19 | $844 | 3.48% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $235 | $5 | $240 | 0.99% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $233 | — | $233 | 0.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN KAREN BAGLEY 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $167 | — | $167 | 0.69% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $25 | — | $25 | 0.10% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $21 | — | $21 | 0.09% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $159 | — | $159 | 0.95% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $39 | — | $39 | 0.23% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $13 | — | $13 | 0.08% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $2 | — | $2 | 0.01% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $1 | — | $1 | 0.01% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $453 | $8 | $461 | 3.77% |
| JOHNNY RUNNELLS3 | 3007 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $130 | $2 | $132 | 1.08% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $131 | — | $131 | 1.07% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN KAREN BAGLEY 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $93 | — | $93 | 0.76% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $15 | — | $15 | 0.12% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.10% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $242 | $4 | $246 | 3.10% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $67 | $1 | $68 | 0.86% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $60 | — | $60 | 0.76% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.09% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.06% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 329 | $2.9M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 333 | $157K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 287 | $51K |
| Life insurance(2 contracts) | USABLE LIFE | 181 | $68K |
| Long-term disability | USABLE LIFE | 73 | $27K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 329 | $2.9M |
| Other(5 contracts) | USABLE LIFE | 161 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.