| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAILEY INSURANCE COMPANY3 | PO BOX 8610 FAYETTEVILLE, AR 72703 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $31K | $31K | 2.54% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 N CROSSOVER ROAD FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $4K | $0 | $4K | 4.59% |
| LIPPSCOMB & PITTS IINSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $67 | $3K | 15.69% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 NORTH CROSSOVER ROAD FAYETTEVILLE, AR 72703 | USABLE LIFE | $4K | $0 | $4K | 20.00% |
| TIMOTHY CAIN3 | 7 E BOULDER CREEK BLVD #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $990 | $0 | $990 | 5.00% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $198 | $0 | $198 | 1.00% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 N CROSSOVER FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $662 | $0 | $662 | 4.00% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 NORTH CROSSOVER ROAD FAYETTEVILLE, AR 72073 | USABLE LIFE | $459 | $0 | $459 | 6.43% |
| TIMOTHY CAIN3 | 7 EAST BOULDER CREEK #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $110 | $0 | $110 | 1.54% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 NORTH CROSSOVER BLVD FAYETTEVILLE, AR 72703 | USABLE LIFE | $167 | $0 | $167 | 3.42% |
| TIMOTHY CAIN3 | 7 E BOULDER CREEK BLVD #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $109 | $0 | $109 | 2.23% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $22 | — | $22 | 0.45% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 NORTH CROSSOVER ROAD FAYETTEVILLE, AR 72703 | USABLE LIFE | $249 | $0 | $249 | 7.00% |
| TIMOTHY CAIN3 | 7 E BOULDER CREEK #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $53 | $0 | $53 | 1.49% |
| HAILEY INSURANCE COMPANY3 | DBA BITTLE ARMSTRONG INSURANCE 3887 NORTH CROSSOVER ROAD FAYETTEVILLE, AR 72703 | USABLE LIFE | $158 | $0 | $158 | 19.97% |
| TIMOTHY CAIN3 | 7 E BOULDER CREEK BLVD #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $40 | $0 | $40 | 5.06% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | $0 | $8 | 1.01% |
| TIMOTHY CAIN3 | 7 E BOULDER CREEK BLVD #212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | $0 | $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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 303 | $1.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 285 | $77K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 205 | $17K |
| Life insurance(2 contracts) | USABLE LIFE | 197 | $25K |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $25K |
| Other | USABLE LIFE | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.