| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: DIAMOND STATE INSUARNCE | — | QCA HEALTH PLAN | $21K | — | $21K | 2.49% |
| DIAMOND STATE INSURANCE3 | PO BOX 396 MURFREESBORO, AR 71958 | USABLE LIFE | $15K | — | $15K | 15.00% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $2K | $9 | $2K | 1.95% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $209 | $1 | $210 | 0.21% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 C/O AR BLUE CROSS BLUE SHIELD FAYETTEVILLE, AR 72703 | USABLE LIFE | $171 | — | $171 | 0.17% |
| DIAMOND STATE INSURANCE3 | PO BOX 396 MURFREESBORO, AR 71958 | USABLE LIFE | $418 | — | $418 | 4.62% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $69 | $2 | $71 | 0.78% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 213 | $836K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 226 | $72K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 146 | $13K |
| Life insurance | USABLE LIFE | 148 | $98K |
| Short-term disability(2 contracts) | USABLE LIFE | 148 | $107K |
| Long-term disability | USABLE LIFE | 148 | $98K |
| Other(2 contracts) | USABLE LIFE | 148 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.