| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $23K | — | $23K | 2.50% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $3K | — | $3K | 4.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT SUITE 200 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $687 | — | $687 | 4.00% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $142 | — | $142 | 3.45% |
| TIMOTHY CAIN3 | 855 NICHOLS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $93 | — | $93 | 2.26% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $175 | — | $175 | 4.35% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $38 | — | $38 | 0.95% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $16 | — | $16 | 0.40% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $179 | — | $179 | 5.39% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $23 | — | $23 | 0.69% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $15 | — | $15 | 0.45% |
| KRISTIN HAYES3 | 516 E MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 1.57% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 174 | $928K |
| Dental | DELTA DENTAL OF ARKANSAS | 272 | $76K |
| Vision | DELTA DENTAL OF ARKANSAS | 167 | $17K |
| Life insurance | USABLE LIFE | 197 | $4K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 88 | $32K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 174 | $928K |
| Other(2 contracts) | USABLE LIFE | 10 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.