| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP SERVICES UNDERWRITERS INC3 | PO BOX 2181 ATTN 8 SOUTH LITTLE ROCK, AR 72203 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JOHN TAYLOR3 | 5288 W DON TYSON PKWY SPRINGDALE, AR 72762 | VISION SERVICE PLAN | — | $3K | $3K | 7.36% |
| GROUP SERVICES UNDERWRITERS INC3 | PO BOX 2181 ATTN 8 SOUTH LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | — | $756 | $756 | 1.84% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 275 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.