| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $23K | — | $23K | 2.49% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. 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 | 13.78% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $4K | — | $4K | 20.00% |
| TIMOTHY CAIN3 | 855 NICHOLS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $1K | — | $1K | 5.00% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $211 | — | $211 | 0.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $183 | — | $183 | 0.82% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $724 | — | $724 | 4.00% |
| JOHN TAYLOR3 | 4240 E. BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $443 | — | $443 | 6.09% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $220 | — | $220 | 3.02% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $166 | — | $166 | 2.28% |
| JOHN TAYLOR3 | 4240 E. BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $331 | — | $331 | 6.77% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $150 | — | $150 | 3.07% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O.BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $111 | — | $111 | 2.27% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $152 | — | $152 | 3.54% |
| TIMOTHY CAIN3 | 855 NICHOLS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $103 | — | $103 | 2.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 EAST MILLSAP SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $16 | — | $16 | 0.37% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | P.O. BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $239 | — | $239 | 19.95% |
| TIMOTHY CAIN3 | 855 NICHOLS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $60 | — | $60 | 5.01% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $21 | — | $21 | 1.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 EAST MILSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $10 | — | $10 | 0.83% |
| KRISTIN HAYES3 | 516 E. MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 1.56% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 159 | $926K |
| Dental | DELTA DENTAL OF ARKANSAS | 266 | $78K |
| Vision | DELTA DENTAL OF ARKANSAS | 173 | $18K |
| Life insurance(2 contracts) | USABLE LIFE | 186 | $27K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 80 | $33K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 159 | $926K |
| Other(2 contracts) | USABLE LIFE | 20 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.