| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $270K | $270K | 9.81% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 2110 FAIR PARK BLVD, STE 1 JONESBORO, AR 72401 | BLUE CROSS BLUE SHIELD | — | $23K | $23K | 12.13% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $582 | — | $582 | 0.54% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $64 | — | $64 | 0.06% |
| 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 | $52 | — | $52 | 0.05% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72401 | VISION SERVICE PLAN | $3K | — | $3K | 8.00% |
| PINNACLE INSURANCE ASSOCIATION3 | PO BOX 2181 LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | $823 | — | $823 | 2.00% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $2K | — | $2K | 5.01% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $223 | — | $223 | 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 | $182 | — | $182 | 0.45% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $2K | — | $2K | 4.90% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $183 | — | $183 | 0.54% |
| 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 | $150 | — | $150 | 0.44% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $557 | — | $557 | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $61 | — | $61 | 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 | $50 | — | $50 | 0.45% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $439 | $175 | $614 | 6.25% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $55 | — | $55 | 0.56% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $48 | — | $48 | 0.49% |
| 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 | $39 | — | $39 | 0.40% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $379 | $175 | $554 | 6.59% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $47 | — | $47 | 0.56% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $42 | — | $42 | 0.50% |
| 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 | $34 | — | $34 | 0.40% |
| MARTIN MCCALL3 | 315 COUNTY ROAD 782 JONESBORO, AR 72405 | USABLE LIFE | $320 | — | $320 | 5.03% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $35 | — | $35 | 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 | $29 | — | $29 | 0.46% |
| ACRISURE LLC3 Filed as: ACRISURE TX RISK ADVISORS & INS SER | 5057 KELLER SPRINGS RD SUITE 200 ADDISON, TX 75001 | AMERICAN HERITAGE LIFE INSURANCE | $104 | — | $104 | 4.24% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE | $72 | — | $72 | 2.94% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE | $65 | — | $65 | 2.65% |
| ACRISURE LLC3 Filed as: ACRISURE TX RISK ADVISORS & INS SER | 5057 KELLER SPRINGS RD SUITE 200 LITTLE ROCK, AR 75001 | AMERICAN HERITAGE LIFE INSURANCE | $14 | — | $14 | 0.69% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE | $7 | — | $7 | 0.35% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE | $71 | — | $71 | 4.63% |
| ACRISURE LLC3 Filed as: ACRISURE TX RISK ADVISORS & INS SER | 5057 KELLER SPRINGS RD SUITE 200 ADDISON, TX 75001 | AMERICAN HERITAGE LIFE INSURANCE | $55 | — | $55 | 3.59% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.52% |
| ACRISURE LLC3 Filed as: ACRISURE TX RISK ADVISORS & INS SER | 5057 KELLER SPRINGS RD SUITE 200 ADDISON, TX 75001 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.86% |
| ACRISURE LLC3 Filed as: ACRISURE TX RISK ADVISORS & INS SER | 5057 KELLER SPRINGS RD SUITE 200 ADDISON, TX 75001 | AMERICAN HERITAGE LIFE INSURANCE | $11 | — | $11 | 4.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 | Contract Administrator Service code 13 | 2110 FAIR PARK BLVD, STE I JONESBORO, AR 72401 | $293K |
| MARTIN MCCALL INSURANCE AGENT | Insurance agents and brokers Service code 22 | 315 CR 782 JONESBORO, AR 72405 | $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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 518 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD | 548 | $194K |
| Vision | VISION SERVICE PLAN | 206 | $41K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 294 | $150K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 60 | $34K |
| Long-term disability | USABLE LIFE | 58 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 518 | $2.7M |
| Other(7 contracts, 2 carriers) | USABLE LIFE | 294 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.