| 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 | $66K | — | $66K | 9.16% |
| BOONE-RITTER INS SVCS INC3 | P.O. BOX 867 SPRINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE | $18K | — | $18K | 2.48% |
| KEITH TODD3 | P.O. BOX 867 SPRINGDALE, AR 72765 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 0.64% |
| JAMES R HASENBECK3 | 4700 S THOMPSON ST STE B 105 SPRINGDALE, AR 72764 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.33% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.20% |
| CROWLEY INSURANCE AGENCY3 | 303 S THOMPSON ST SPRINGDALE, AR 72764 | AMERICAN HERITAGE LIFE INSURANCE | $765 | — | $765 | 0.11% |
| DARRIN TAYLOR3 | 188 WEST MAIN SUITE 3 FARMINGTON, AR 72730 | AMERICAN HERITAGE LIFE INSURANCE | $113 | — | $113 | 0.02% |
| ROBERT W. PATTON3 Filed as: ROBERT W PATTON | P O BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE | $12 | — | $12 | 0.00% |
| RONNIE PATTON3 Filed as: RONNIE PATTON C/O STAR ROBBINS | P O BOX 1010 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 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 | 707 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 707 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.