| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN EVELYN WHISENHUNT3 | 705 FERNWOOD DR JONESBORO, AR 72401 | LEADERS LIFE INSURANCE COMPANY | $20K | — | $20K | 15.33% |
| ASSOCIATED MARKETING GROUP, LLC3 | 128 SAN JOSE SPRINGDALE, AR 72764 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 1.80% |
| HAILEY B MITCHENER3 Filed as: HAILEY MITCHENER | 1005 W LAWSON RD JONESBORO, AR 72404 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| TYLER BLAKE REYNOLDS3 | 903 S 13TH PLACE ROGERS, AR 72758 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | LEADERS LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 13.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $653 | — | $653 | 6.22% |
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PKWY STE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $190 | — | $190 | 1.81% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $161 | — | $161 | 1.53% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $18 | — | $18 | 0.17% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $15 | — | $15 | 0.14% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 394 | $1.9M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 369 | $107K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 339 | $35K |
| Life insurance(2 contracts, 2 carriers) | LEADERS LIFE INSURANCE COMPANY | 319 | $139K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 394 | $1.9M |
| Other | USABLE LIFE | 262 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
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.