| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRUITT AGENCY INC3 | 801 HWY 367 N JUDSONIA, AR 72081 | USABLE LIFE | $5K | — | $5K | 7.70% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $425 | — | $425 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILLY BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $46 | — | $46 | 0.08% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $34 | — | $34 | 0.06% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 451 | $60K |
| Other | USABLE LIFE | 451 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.