| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $4K | — | $4K | 2.16% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $491 | — | $491 | 0.24% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $402 | — | $402 | 0.20% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AA 72703 | USABLE LIFE | — | $227 | $227 | 0.11% |
| STEPHENS INSURANCE LLC3 | 134 HICKORY CREEK CIRCLE LITTLE ROCK, AR 72212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $54 | $474 | 4.48% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $7 | $268 | 2.53% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY LLC | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $37 | $250 | 2.36% |
| KONECNY INSURANCE SERVICES3 Filed as: KONECNY INSURANCE SERVICE | P O BOX 80 STUTTGART, AR 72160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.58% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS RD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $9 | $102 | 0.96% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 W KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 480 | $2.7M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 444 | $161K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 426 | $39K |
| Life insurance | USABLE LIFE | 358 | $206K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 358 | $217K |
| Long-term disability | USABLE LIFE | 358 | $206K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 480 | $2.7M |
| Other | USABLE LIFE | 358 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
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.