| 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 | $24K | — | $24K | 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 | $402 | $5K | 16.47% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5K | — | $5K | 20.00% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 E MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $248 | — | $248 | 1.00% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $796 | — | $796 | 4.00% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $135 | — | $135 | 2.09% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LN FAYETTEVILLE, AR 72703 | USABLE LIFE | $55 | — | $55 | 0.85% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $106 | — | $106 | 2.08% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LN FAYETTEVILLE, AR 72703 | USABLE LIFE | $27 | — | $27 | 0.53% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $156 | — | $156 | 3.51% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $104 | — | $104 | 2.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 E MILLSAP SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $21 | — | $21 | 0.47% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $242 | — | $242 | 19.98% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $61 | — | $61 | 5.04% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 E MILSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.99% |
| KRISTIN HAYES3 | 516 E MILLSAP RD 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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 183 | $974K |
| Dental | DELTA DENTAL OF ARKANSAS | 282 | $80K |
| Vision | DELTA DENTAL OF ARKANSAS | 195 | $20K |
| Life insurance(2 contracts) | USABLE LIFE | 204 | $29K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 77 | $34K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 183 | $974K |
| Other(2 contracts) | USABLE LIFE | 17 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.