| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $211 | $0 | $211 | 2.99% |
| SONYA GEORGE3 | 1062 HIGHWAY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $117 | $0 | $117 | 1.66% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $13 | $0 | $13 | 0.18% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $11 | $0 | $11 | 0.16% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 208 | $7K |
| Other | USABLE LIFE | 208 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.