| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROBBI DAVIS AGENCY3 | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 722052181 | HEALTH ADVANTAGE | $18K | — | $18K | 1.28% |
| THE ROBBI DAVIS AGENCY3 | 10201 W MARKHAM SUITE 217 LITTLE ROCK, AR 72205 | ARKANSAS BLUE CROSS AND BLUE SHEILD | $4K | — | $4K | 5.00% |
| THE ROBBI DAVIS AGENCY3 | P.O. BOX 21520 LITTLE ROCK, AR 72221 | USABLE LIFE | $7K | — | $7K | 14.08% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $2K | — | $2K | 3.87% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $438 | — | $438 | 0.83% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $372 | — | $372 | 0.70% |
| MICHAEL DODSON3 | 415 TEXARKANA TRACE TEXARKANA, TX 72221 | USABLE LIFE | $88 | — | $88 | 0.17% |
| THE ROBBI DAVIS AGENCY3 | 10201 W MARKHAM SUITE 217 LITTLE ROCK, AR 72205 | ARKANSAS BLUE CROSS AND BLUE SHEILD | $2K | — | $2K | 10.15% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 275 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHEILD | 277 | $77K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHEILD | 217 | $19K |
| Life insurance | USABLE LIFE | 376 | $53K |
| Prescription drug | HEALTH ADVANTAGE | 275 | $1.4M |
| Other | USABLE LIFE | 376 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.