| 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 | — | $268K | $268K | 9.80% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUECROSS BLUESHIELD | P.O. BOX 2181 LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD | — | $25K | $25K | 12.12% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $9K | — | $9K | 10.34% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $560 | — | $560 | 0.67% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $62 | — | $62 | 0.07% |
| 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 | $50 | — | $50 | 0.06% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 724017740 | VISION SERVICE PLAN | $3K | — | $3K | 8.09% |
| GROUP SERVICE UNDERWRITERS INC3 | P.O. BOX 2181 LITTLE ROCK, AR 72222 | VISION SERVICE PLAN | $801 | — | $801 | 2.02% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49316 | USABLE LIFE | $3K | $75 | $3K | 10.22% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $2K | — | $2K | 5.80% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $204 | — | $204 | 0.64% |
| 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 | $167 | — | $167 | 0.52% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $2K | — | $2K | 7.53% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72401 | USABLE LIFE | $1K | — | $1K | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $120 | — | $120 | 0.55% |
| 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 | $98 | — | $98 | 0.45% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $559 | — | $559 | 6.16% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $61 | — | $61 | 0.67% |
| 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 | $50 | — | $50 | 0.55% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $1K | — | $1K | 12.83% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $300 | — | $300 | 3.45% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $536 | $17 | $553 | 10.13% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $312 | — | $312 | 5.71% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $34 | — | $34 | 0.62% |
| 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 | $28 | — | $28 | 0.51% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $449 | — | $449 | 11.06% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $135 | — | $135 | 3.33% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $230 | — | $230 | 8.01% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $57 | — | $57 | 1.98% |
| ACRISURE LLC3 Filed as: ACRISURE DBA MF BLOCK INSURANCE INC | 32 SOUTHPOINTE DR PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 4.24% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.94% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.65% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 4.63% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 3.59% |
| ALBERT SMITH3 | 72 VILLA CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.52% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MF BLOCK INSURANCE | 32 SOUTHPOINT DRIVE PARAGOULD, AR 72450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.65% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.33% |
| ACRISURE LLC3 Filed as: ACRISURE DBA INSOURCE | 123 S BROAD ST STE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $27 | — | $27 | 5.05% |
| DUSTIN PRICE3 | 2233 SISTINE CHAPEL CIR JONESBORO, AR 72404 | USABLE LIFE | $5 | — | $5 | 0.93% |
| 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 | $293K |
| ACRISURE LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | $16K |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 516 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD | 564 | $202K |
| Vision | VISION SERVICE PLAN | 218 | $40K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 299 | $117K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 46 | $26K |
| Long-term disability | USABLE LIFE | 61 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 516 | $2.7M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 299 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.