| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $5K | — | $5K | 2.14% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $508 | — | $508 | 0.24% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $416 | — | $416 | 0.19% |
| KONECNY INSURANCE SERVICES3 | P.O. BOX 80 STUTTGART, AR 72160 | USABLE LIFE | — | $225 | $225 | 0.10% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AA 72703 | USABLE LIFE | — | $28 | $28 | 0.01% |
| STEPHENS INSURANCE LLC3 | 134 HICKORY CREEK CIRCLE LITTLE ROCK, AR 72212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $643 | $427 | $1K | 10.46% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $26 | $520 | 5.08% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY LLC | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $86 | $400 | 3.91% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICE | P O BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 2.16% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS RD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $5 | $169 | 1.65% |
| KELSI KONECNY3 Filed as: KELSI B KONECNY | PO BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.24% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.14% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.08% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 W KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 557 | $2.8M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 497 | $176K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 476 | $42K |
| Life insurance | USABLE LIFE | 406 | $216K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 406 | $226K |
| Long-term disability | USABLE LIFE | 406 | $216K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 557 | $2.8M |
| Other | USABLE LIFE | 406 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.