| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $150K | $150K | 10.70% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $21K | $21K | 16.50% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.00% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $7K | — | $7K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $369 | — | $369 | 0.76% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $2K | — | $2K | 9.34% |
| MARTIN MCCALL3 | 315 COUNTRY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $150 | — | $150 | 0.66% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 74250 | USABLE LIFE | $1K | — | $1K | 5.39% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $356 | — | $356 | 1.78% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $284 | — | $284 | 1.42% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $953 | — | $953 | 5.00% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $33 | — | $33 | 0.17% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.90% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $451 | — | $451 | 2.93% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINANCIAL SERVICES INC | 4701 ALTAMESA BLVD, STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $698 | — | $698 | 5.00% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $65 | — | $65 | 0.47% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $617 | — | $617 | 15.87% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $297 | — | $297 | 7.64% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $175 | — | $175 | 4.50% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $345 | — | $345 | 14.99% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $115 | — | $115 | 5.00% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $265 | — | $265 | 86.60% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $66 | — | $66 | 21.57% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $38 | — | $38 | 12.42% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $105 | — | $105 | 56.45% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $43 | — | $43 | 23.12% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY, SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $37 | — | $37 | 19.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 VENDOR - NETWORK ADMIN | Contract Administrator Service code 13 | 2110 FAIR PARK BLVD, STE I JONESBORO, AR 72401 | $171K |
| MF BLOCK COMPANY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | $21K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 367 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD | 375 | $130K |
| Vision | VISION SERVICE PLAN | 122 | $23K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 190 | $84K |
| Short-term disability(2 contracts) | USABLE LIFE | 83 | $18K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 367 | $1.4M |
| Other(4 contracts) | USABLE LIFE | 190 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.