| 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 | — | $295K | $295K | 15.36% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | P.O. BOX 2181 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD | — | $23K | $23K | 15.41% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINT DRIVE LITTLE ROCK, AR 72223 | BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.01% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $8K | — | $8K | 12.86% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $1K | — | $1K | 2.14% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $423 | — | $423 | 0.71% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $85 | — | $85 | 0.14% |
| MARTIN MCCALL3 | 315 COUNTRY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $2K | — | $2K | 7.94% |
| GROUP SERVICE UNDERWRITERS INC3 | P.O. BOX 2181 LITTLE ROCK, AR 72222 | VISION SERVICE PLAN | $488 | — | $488 | 1.98% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | — | $2K | 12.37% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $972 | — | $972 | 5.00% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $512 | — | $512 | 2.63% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72201 | USABLE LIFE | $195 | — | $195 | 1.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $773 | — | $773 | 11.52% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $336 | — | $336 | 5.01% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $233 | — | $233 | 3.47% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72201 | USABLE LIFE | $67 | — | $67 | 1.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $292 | — | $292 | 5.50% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $91 | — | $91 | 1.71% |
| ACRISURE LLC3 Filed as: ACRISURE DBA MF BLOCK INSURANCE INC | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 4.06% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 3.86% |
| AF SMITH & ASSOCIATES3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.46% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 2.39% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $267 | — | $267 | 12.41% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $108 | — | $108 | 5.02% |
| MF BLOCK INSURANCE INC3 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | USABLE LIFE | $56 | — | $56 | 2.60% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $22 | — | $22 | 1.02% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.69% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 4.17% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 3.60% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.97% |
| AF SMITH & ASSOCIATES3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.46% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 7.69% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.82% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $167 | — | $167 | 23.93% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $56 | — | $56 | 8.02% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 6.30% |
| ACRISURE LLC3 Filed as: ACRISURE DBA MF BLOCK INSURANCE INC | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 2.87% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $153 | — | $153 | 145.71% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $47 | — | $47 | 44.76% |
| 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 | $318K |
| ACRISURE LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | $11K |
| MF BLOCK COMPANY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | $10K |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 467 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD | 431 | $149K |
| Vision | VISION SERVICE PLAN | 136 | $25K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 250 | $81K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 22 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 467 | $1.9M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 250 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.