| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UMR INC | — | TOKIO MARINE | — | $116K | $116K | 32.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | TOKIO MARINE | $27K | — | $27K | 7.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $5K | $1K | $6K | 19.00% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $841 | — | $841 | 2.55% |
| VANDYKE, MARIA3 | 13 PAWNEE CT MAUMELLE, AR 72113 | USABLE LIFE | $93 | — | $93 | 0.28% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 E MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $76 | — | $76 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEAOWS, IL 60008 | USABLE LIFE | $4K | $1K | $5K | 19.56% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $588 | — | $588 | 2.38% |
| VANDYKE, MARIA3 | 13 PAWNEE CT MAUMELLE, AR 72113 | USABLE LIFE | $65 | — | $65 | 0.26% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 216 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $53 | — | $53 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $2K | $359 | $2K | 18.40% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $54 | — | $54 | 0.51% |
| VANDYKE, MARIA3 | 13 PAWNEE CT MAUMELLLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.07% |
| DUNCAN, JERRY3 | C/O BLUE CROSS BLUE SHIELD 516 E MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2580 GOLD ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $175 | $52 | $227 | 19.45% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $29 | — | $29 | 2.49% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 E MILLSAP ROAD FAYETTEVILLE, AR 72703 | USABLE LIFE | $3 | — | $3 | 0.26% |
| VANDYKE, MARIA3 | 13 PAWNEE CT MAUMELLE, AR 72113 | USABLE LIFE | $3 | — | $3 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $104K |
| GALLAGHER BENEFIT SERVICES EIN 39-4291971 BROKER | Other commissions Service code 55 | 2580 GOLF RD ROLLING MEADOWS, IL 60008 | $27K |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD - VISION | 83 | $15K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 104 | $61K |
| Vision | BLUE CROSS AND BLUE SHIELD - VISION | 83 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 118 | $35K |
| Short-term disability | USABLE LIFE | 104 | $33K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 115 | $356K |
| Other(2 contracts) | USABLE LIFE | 118 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.