| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. , INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S YALE AVENUE SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.36% |
| BOON-RITTER INSURANCE SVCS., INC.3 | PO BOX 867 SPRINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.65% |
| TOD KEITH3 | PO BOX 867 SPINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| ROBBINS STAR3 Filed as: ROBBINS STAR AGENCY | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $652 | $0 | $652 | 0.36% |
| STEPHANIE RIGGINS AGENCY, LLC3 | 5320WEST SUNSET AVENUE, SUITE 171 SPRINGDALE, AR 72762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 143 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.