| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAR ROBBINS3 Filed as: STAR A ROBBINS | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE | $96K | — | $96K | 12.17% |
| BOONE-RITTER INS SVCS INC3 | P.O. BOX 867 SPRINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE | $17K | — | $17K | 2.12% |
| KEITH TODD3 | P.O. BOX 867 SPRINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE | $16K | — | $16K | 2.00% |
| JAMES R HASENBECK3 | 4700 S THOMPSON ST STE B 105 SPRINGDALE, AR 72764 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.46% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.17% |
| CROWLEY INSURANCE AGENCY3 | 303 S THOMPSON ST SPRINGDALE, AR 72764 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.13% |
| DARRIN TAYLOR3 | 188 WEST MAIN SUITE 3 FARMINGTON, AR 72730 | AMERICAN HERITAGE LIFE INSURANCE | $159 | — | $159 | 0.02% |
| ROBERT W. PATTON3 Filed as: ROBERT W PATTON | P O BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE | $88 | — | $88 | 0.01% |
| RONNIE PATTON3 | P O BOX 1010 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE | $14 | — | $14 | 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 | 785 | 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) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 785 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.