| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $50K | $50K | 4.78% |
| SUE SHOCK INSURANCE INC3 | PO BOX 370 VILONIA, AR 72173 | USABLE LIFE | $17K | $2K | $19K | 17.11% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $3K | — | $3K | 2.98% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $369 | $41 | $410 | 0.37% |
| DUNCAN, JERRY3 Filed as: DUNCAN JERRY | C/O ARKASNAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $302 | — | $302 | 0.28% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN KAREN BAGLEY 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $43 | — | $43 | 0.04% |
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 | 197 | 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. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 257 | $1.0M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 236 | $73K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 194 | $17K |
| Life insurance | USABLE LIFE | 197 | $110K |
| Short-term disability | USABLE LIFE | 197 | $110K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 257 | $1.0M |
| Other | USABLE LIFE | 197 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.