| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIAMOND STATE INSURANCE3 Filed as: DIAMOND STATE INSURANCE , INC. | PO BOX 396 MURFREESBORO, AR 71958 | USABLE LIFE | $13K | — | $13K | 15.00% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $2K | — | $2K | 2.47% |
| MICHAEL DODSON3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $356 | — | $356 | 0.41% |
| DIAMOND STATE INSURANCE3 Filed as: DIAMOND STATE INSURANCE, INC. | PO BOX 396 MURFREESBORO, AR 71958 | USABLE LIFE | $550 | — | $550 | 2.94% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $17 | — | $17 | 0.09% |
| SCOTT SAMPLE3 | 4661 BRANDYWINE COVE SHERWOOD, AR 72120 | USABLE LIFE | $12 | — | $12 | 0.06% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 133 | $821K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 130 | $71K |
| Life insurance | USABLE LIFE | 139 | $87K |
| Short-term disability | USABLE LIFE | 139 | $87K |
| Long-term disability | USABLE LIFE | 139 | $87K |
| Prescription drug | HEALTH ADVANTAGE | 133 | $821K |
| Other(2 contracts) | USABLE LIFE | 139 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.