| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICES INC | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $13K | — | $13K | 10.00% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $868 | — | $868 | 0.68% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICES INC | PO BOX 80 STUTTGART, AR 72160 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.05% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICES INC | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $19K | — | $19K | 20.00% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $187 | — | $187 | 0.20% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICES INC | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $5K | — | $5K | 20.00% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $1K | — | $1K | 4.46% |
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 | 597 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 597 | $85K |
| Life insurance(2 contracts) | USABLE LIFE | 787 | $223K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 577 | $118K |
| Other(2 contracts) | USABLE LIFE | 787 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.