| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUDY BETHEA INSURANCE INC3 Filed as: JUDY BETHEA INS. INC. | 11323 ARCADE DRIVE SUITE 228 LITTLE ROCK, AR 72212 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 5.63% |
| JUDY BETHEA INSURANCE INC3 | 11323 ARCADE DRIVE SUITE 228 LITTLE ROCK, AR 72212 | USABLE LIFE | $3K | — | $3K | 9.53% |
| PROPPS, KAYLA3 Filed as: PROPPS, KAYLE | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $365 | — | $365 | 1.10% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $73 | — | $73 | 0.22% |
| JUDY BETHEA INSURANCE INC3 | 11323 ARCADE DRIVE SUITE 228 LITTLE ROCK, AR 72212 | USABLE LIFE | $552 | — | $552 | 2.20% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $251 | — | $251 | 1.00% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $50 | — | $50 | 0.20% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 217 | $1.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 235 | $128K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 198 | $28K |
| Life insurance | USABLE LIFE | 251 | $25K |
| Long-term disability | USABLE LIFE | 251 | $33K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 217 | $1.7M |
| Other | USABLE LIFE | 251 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.