| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEARTLAND GROUP INSURANCE AGENCY3 Filed as: HEARTLAND GRP INS DBA MHJ INSURANCE | 1221 STERLING DRIVE POPLAR BLUFF, MO 63901 | US ABLE | $6K | — | $6K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | US ABLE | $2K | $214 | $2K | 5.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | US ABLE | $399 | — | $399 | 1.00% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | US ABLE | $91 | — | $91 | 0.23% |
| HEATLAND GRP INS DBA MHJ INSURANCE3 | 1221 STERLING DRIVE POPLAR BLUFF, MO 63901 | US ABLE | $2K | — | $2K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | US ABLE | $521 | $98 | $619 | 5.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | US ABLE | $104 | — | $104 | 1.00% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | US ABLE | $55 | — | $55 | 0.53% |
| HEARTLAND GROUP INSURANCE AGENCY3 Filed as: HEARTLAND GRP INS DBA MHJ INSURANCE | 1221 STERLING DR POPLAR BLUFF, MO 63901 | USABLE LIFE | $230 | $0 | $230 | 3.11% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $134 | $0 | $134 | 1.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $27 | — | $27 | 0.37% |
| HEARTLAND GROUP INSURANCE AGENCY3 Filed as: HEARTLAND GRP INS DBA MHJ INSURANCE | 1221 STERLING DRIVE POPLAR BLUFF, MO 63901 | US ABLE LIFE | $650 | — | $650 | 15.01% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | US ABLE LIFE | $217 | $18 | $235 | 5.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | US ABLE LIFE | $43 | — | $43 | 0.99% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | US ABLE LIFE | $19 | — | $19 | 0.44% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | US ABLE | 309 | $40K |
| Short-term disability | US ABLE | 41 | $10K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 309 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.