| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $68K | — | $68K | 2.50% |
| KONECNY INSURANCE SERVICES3 | P.O. BOX 80 STUTTGART, AR 72160 | USABLE LIFE | $24K | $4K | $28K | 11.84% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $5K | — | $5K | 2.27% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AA 72703 | USABLE LIFE | $5K | — | $5K | 1.98% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $594 | — | $594 | 0.25% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $486 | — | $486 | 0.20% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $16K | — | $16K | 10.00% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICE | P O BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 6.64% |
| KELSI KONECNY3 Filed as: KELSI B KONECNY | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 3.88% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $7 | $53 | 0.74% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $17 | $50 | 0.70% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.42% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 545 | $2.7M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 508 | $165K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 484 | $43K |
| Life insurance | USABLE LIFE | 413 | $238K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 413 | $245K |
| Long-term disability | USABLE LIFE | 413 | $238K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 545 | $2.7M |
| Other | USABLE LIFE | 413 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.