| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $1K | — | $1K | 1.74% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $154 | — | $154 | 0.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | — | $126 | 0.16% |
| GALEN BRENT CLARKSON3 | 3421 SUNSHINE RD ROYAL, AR 71968 | AFLAC | $530 | $23 | $553 | 2.06% |
| THOMAS REAL ESTATE & INSURANCE CO3 | 1306 MILITARY RD STE 1 BENTON, AR 72015 | AFLAC | $339 | — | $339 | 1.26% |
| JOHN MICHAEL CHRISTOPHER3 | 1637 S SILVERTHORNE DR LITTLE ROCK, AR 72210 | AFLAC | $306 | — | $306 | 1.14% |
| JMC BENEFITS3 Filed as: JMC BENEFITS INC | 1637 S SILVERTHORNE DR LITTLE ROCK, AR 72210 | AFLAC | $234 | — | $234 | 0.87% |
| BENJAMIN ADAM GRANT3 | 3264 SCOTT SALEM RD BENTON, AR 72019 | AFLAC | $176 | — | $176 | 0.66% |
| ASHLEY NICOLE BOLHOFNER3 Filed as: ASHLEY BOLHOFNER | 164 THORNTON FERRY RD, APT A3 HOT SPRINGS, AR 71913 | AFLAC | $113 | — | $113 | 0.42% |
| RITA JONES INC3 Filed as: RITA B JONES | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $112 | — | $112 | 0.42% |
| ANGELA L STALEY3 | 902 MARTIN LUTHER KING BLVD STE 102 MALVERN, AR 72104 | AFLAC | $105 | $5 | $110 | 0.41% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $93 | — | $93 | 0.35% |
| LINDA G VAUGHN3 | 285 THOMASON RD GLENWOOD, AR 71943 | AFLAC | $92 | — | $92 | 0.34% |
| JESSICA L FORESTIER3 | 213 LOVIA CIR ROYAL, AR 71968 | AFLAC | $67 | $5 | $72 | 0.27% |
| WENDELL W WHITEHURST3 | 28 YACHT CLUB RD LITTLE ROCK, AR 72223 | AFLAC | $61 | — | $61 | 0.23% |
| SHELLY JEAN HAYES3 | 108 SE 11TH ST ALEDO, IL 61231 | AFLAC | $60 | — | $60 | 0.22% |
| BRENT P WOOD3 | 6701 LAKERIDGE DR TEXARKANA, TX 75503 | AFLAC | $55 | — | $55 | 0.20% |
| JEFFERY TAL WEBB3 | 900 PIERREMONT RD STE 114 SHREVEPORT, AR 71106 | AFLAC | $49 | — | $49 | 0.18% |
| RAYMON P KEECH III3 | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $46 | — | $46 | 0.17% |
| ROSEMARY WALL3 | 2004 MOULTRIE CIR FRANKLIN, TN 37064 | AFLAC | $45 | — | $45 | 0.17% |
| SAMUEL J TOLIVER3 | 35 DREW DR LITTLE ROCK, AR 72223 | AFLAC | $35 | — | $35 | 0.13% |
| BETHANY FRANKLIN3 | 5601 FOREST BEND LN TEXARKANA, AR 71854 | AFLAC | $26 | — | $26 | 0.10% |
| STEPHEN HOBBS3 Filed as: STEPHEN ALLEN HOBBS | 11575 CRYSTAL BAY CIR NORTH LITTLE ROCK, AR 72113 | AFLAC | $25 | — | $25 | 0.09% |
| JERRY MCCARTNEY3 Filed as: JERRY D MCCARTNEY | 3110 HINSON RD LITTLE ROCK, AR 72212 | AFLAC | $6 | — | $6 | 0.02% |
| TELARA A ADAMS3 | 204 EXECUTIVE CT, STE 302 LITTLE ROCK, AR 72205 | AFLAC | $5 | — | $5 | 0.02% |
| ALLISON R DEMPSEY3 | 2393 HIGHWAY 51 N ARKADELPHIA, AR 71923 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN TIMOTHY MCRAE3 | 1206 WOODLAND PARK RD BRYANT, AR 72022 | AFLAC | $5 | — | $5 | 0.02% |
| CAROLYN J LEE3 | 1412 MAIN ST, STE 504 TEXARKANA, TX 75501 | AFLAC | $4 | — | $4 | 0.01% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $3 | — | $3 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: RONALD DEAN ROGERS | 1406 SW LIBERTY AVE BENTONVILLE, AR 72713 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW D CARPENTER3 | 8 SHACKLEFORD PLZ, STE 300 LITTLE ROCK, AR 72211 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $2 | — | $2 | 0.01% |
| EDWARD L MARTINA III3 | 100 GENNA LN YOUNGSVILLE, LA 70592 | AFLAC | $2 | — | $2 | 0.01% |
| KAY DIANE STINNETT3 | 18627 WALDEN GLEN CIR HUMBLE, TX 77346 | AFLAC | $1 | — | $1 | 0.00% |
| BYRON KEITH BURRELL3 | 364 ARKAVALLEY RD GREENBRIER, AR 72058 | AFLAC | $1 | — | $1 | 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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 165 | $870K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 193 | $59K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 153 | $12K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 114 | $107K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 33 | $27K |
| Long-term disability | USABLE LIFE | 114 | $80K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 165 | $843K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 130 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.