| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $22K | — | $22K | 2.47% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 16.57% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $23K | $3K | $27K | 17.06% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $2K | — | $2K | 1.22% |
| GEORGE, SONYA3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $1K | — | $1K | 0.88% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $397 | $0 | $397 | 0.25% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $325 | — | $325 | 0.21% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $11K | — | $11K | 9.91% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $386 | $3K | 7.49% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 3.67% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS RD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $853 | $0 | $853 | 2.35% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $613 | $105 | $718 | 1.98% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.15% |
| JAMES PEW3 Filed as: JAMES R BROGLEN | C/O MCGRIFF INS SERV RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| TRACY HENSON TUTOR3 | 9931 CYPRESS WILLOW CV OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 284 | $1.2M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 298 | $108K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 292 | $25K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 287 | $192K |
| Short-term disability | USABLE LIFE | 287 | $156K |
| Long-term disability | USABLE LIFE | 287 | $156K |
| Prescription drug(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 284 | $1.2M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 287 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.