| 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 | $30K | — | $30K | 2.50% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | PO BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $4K | — | $4K | 4.00% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | PO BOX 8610 FAYETTEVILLE, AR 72703 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 4.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT SUITE 200 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.14% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | 3887 N CROSSOVER RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $4K | — | $4K | 20.00% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $1K | — | $1K | 5.00% |
| JERRY DUNCAN3 | 516 E MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $192 | — | $192 | 0.92% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | PO BOX 8610 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | — | $126 | 2.24% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $11 | — | $11 | 0.20% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LN FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.09% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | 3887 N CROSSOVER RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $151 | — | $151 | 3.05% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $18 | — | $18 | 0.36% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LN FAYETTEVILLE, AR 72703 | USABLE LIFE | $2 | — | $2 | 0.04% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | 3887 N CROSSOVER RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $168 | — | $168 | 3.41% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $109 | — | $109 | 2.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 E MILSAP SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $22 | — | $22 | 0.45% |
| ARMSTRONG HAILEY INSURANCE COMPANY3 Filed as: ARMSTRONG HAILEY INSURANCE | 3887 N CROSSOVER RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $191 | — | $191 | 19.98% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $48 | — | $48 | 5.02% |
| JERRY DUNCAN3 | 516 E MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $9 | — | $9 | 0.94% |
| KRISTIN HAYES3 | 516 E MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72701 | USABLE LIFE | $3 | — | $3 | 0.94% |
| TIMOTHY CAIN3 | 855 NICHOLS RD SPRINGDALE, AR 72762 | USABLE LIFE | $2 | — | $2 | 0.63% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 307 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 285 | $91K |
| Vision | DELTA DENTAL OF ARKANSAS | 211 | $26K |
| Life insurance(2 contracts) | USABLE LIFE | 207 | $26K |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 66 | $31K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 307 | $1.2M |
| Other(2 contracts) | USABLE LIFE | 22 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.