| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $34K | — | $34K | 2.48% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $10K | — | $10K | 9.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.29% |
| KONECNY INSURANCE SERVICES | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $3K | — | $3K | 10.00% |
| CHRISTOPHER SHUMAKE | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $939 | — | $939 | 2.91% |
| JASON TREECE | 220 QUAIL RIDGE DR HOT SPRINGS, AR 71901 | USABLE LIFE | $674 | — | $674 | 2.09% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | VISION SERVICE PLAN | $1K | — | $1K | 4.81% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $2K | — | $2K | 12.00% |
| CHRISTOPHER SHUMAKE3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $418 | — | $418 | 2.48% |
| KONECNY INSURANCE SERVICES3 | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 3.93% |
| KELSI KONECNY3 | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.40% |
| KYLE HARDING3 | 105 EAST BROAD ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $9 | $24 | 0.29% |
| STEPHANIE D FREEMAN3 | 6609 ROGERS AVE FORT SMITH, AR 72903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.11% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 372 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 316 | $99K |
| Vision | VISION SERVICE PLAN | 159 | $28K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $137K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $40K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 372 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.