| 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 | — | $305K | $305K | 12.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | P.O. BOX 2181 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD | — | $22K | $22K | 11.90% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $11K | — | $11K | 15.00% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $397 | — | $397 | 0.52% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $107 | — | $107 | 0.14% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $73 | — | $73 | 0.10% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $12 | — | $12 | 0.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 E MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $10 | — | $10 | 0.01% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 724047960 | VISION SERVICE PLAN | $2K | — | $2K | 4.55% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $1K | — | $1K | 3.46% |
| GROUP SERVICE UNDERWRITERS INC3 | P.O. BOX 2181 LITTLE ROCK, AR 72222 | VISION SERVICE PLAN | $723 | — | $723 | 2.01% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $4K | $89 | $4K | 15.31% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $1K | — | $1K | 3.64% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $391 | — | $391 | 1.36% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $183 | $2 | $185 | 0.64% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $43 | — | $43 | 0.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 E MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $35 | — | $35 | 0.12% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $1K | $4 | $1K | 15.04% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $358 | — | $358 | 3.66% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $130 | — | $130 | 1.33% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $63 | — | $63 | 0.64% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $14 | — | $14 | 0.14% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 E MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.12% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $694 | $54 | $748 | 16.17% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $170 | — | $170 | 3.68% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $62 | — | $62 | 1.34% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $30 | $1 | $31 | 0.67% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 E MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.13% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $368 | — | $368 | 8.07% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $92 | — | $92 | 2.02% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $218 | — | $218 | 8.00% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $54 | — | $54 | 1.98% |
| ACRISURE LLC3 Filed as: ACRISURE DBA MF BLOCK INSURANCE INC | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 4.15% |
| ALBERT SMITH3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.72% |
| AF SMITH & ASSOCIATES3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 2.53% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $210 | — | $210 | 8.02% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $52 | — | $52 | 1.99% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 4.43% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 3.57% |
| ALBERT SMITH3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.49% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.66% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.33% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $25 | — | $25 | 5.09% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $5 | — | $5 | 1.02% |
| ACRISURE LLC3 Filed as: ACRISURE DBA MF BLOCK INSURANCE INC | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.86% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 4.25% |
| 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 | $327K |
| ACRISURE LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | $19K |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 513 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD | 543 | $189K |
| Vision | VISION SERVICE PLAN | 207 | $36K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 259 | $106K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 17 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 513 | $2.5M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 259 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.