| 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 | — | $327K | $327K | 14.84% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | P.O. BOX 2181 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD | — | $26K | $26K | 15.25% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $11K | — | $11K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $453 | — | $453 | 0.64% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $73 | — | $73 | 0.10% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $29 | — | $29 | 0.04% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $12 | — | $12 | 0.02% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 724047960 | VISION SERVICE PLAN | $2K | — | $2K | 6.65% |
| GROUP SERVICE UNDERWRITERS INC3 | P.O. BOX 2181 LITTLE ROCK, AR 72222 | VISION SERVICE PLAN | $657 | — | $657 | 2.01% |
| MARTIN MCCALL3 | 315 COUNTRY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $455 | — | $455 | 1.39% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $4K | — | $4K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $1K | — | $1K | 4.61% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72201 | USABLE LIFE | $167 | — | $167 | 0.66% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $98 | — | $98 | 0.39% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $41 | — | $41 | 0.16% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $526 | — | $526 | 4.57% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $75 | — | $75 | 0.65% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $50 | — | $50 | 0.43% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $20 | — | $20 | 0.17% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $719 | — | $719 | 10.84% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $187 | — | $187 | 2.82% |
| 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% |
| 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% |
| JANICE A. CASEY3 | 21 WESTCHESTER COURT LITTLE ROCK, AR 72222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 1.74% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $413 | — | $413 | 15.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $127 | — | $127 | 4.61% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $18 | — | $18 | 0.65% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $11 | — | $11 | 0.40% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $5 | — | $5 | 0.18% |
| 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% |
| AF SMITH & ASSOCIATES3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.46% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $271 | — | $271 | 31.04% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $70 | — | $70 | 8.02% |
| 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% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $263 | — | $263 | 60.74% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $67 | — | $67 | 15.47% |
| 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% |
| 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 | $353K |
| ACRISURE LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | $18K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 461 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD | 517 | $172K |
| Vision | VISION SERVICE PLAN | 164 | $33K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 253 | $98K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 23 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 461 | $2.2M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 253 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.