| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN HEBER SPRINGS, AR 72543 | ARKANSAS BLUE CROSS BLUE SHIELD | $0 | $89K | $89K | 3.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | 3221 COLLINSWORTH STREET FT WORTH, TX 76107 | USABLE LIFE | $21K | $0 | $21K | 9.60% |
| SONYA GEORGE3 | 1062 HIGHWAY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $6K | $0 | $6K | 2.87% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $2K | $0 | $2K | 1.04% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $940 | $0 | $940 | 0.43% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $769 | $0 | $769 | 0.35% |
| A MUTUAL INSURANCE COMPANY3 | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $63 | $0 | $63 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 421 WEST THIRD STREET, SUITE 800 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 11.25% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 528 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $151K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $151K |
| Life insurance | USABLE LIFE | 348 | $218K |
| Short-term disability | USABLE LIFE | 348 | $218K |
| Long-term disability | USABLE LIFE | 348 | $218K |
| Other | USABLE LIFE | 348 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.