| 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 | $61K | $260K | $321K | 13.01% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $24K | $0 | $24K | 15.00% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $8K | $0 | $8K | 4.88% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $647 | $0 | $647 | 0.40% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $529 | $0 | $529 | 0.33% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $11K | $13K | $24K | 22.18% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST LITTLE ROCK, AR 72201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $442 | $2K | 6.23% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $19 | $678 | 2.29% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS ROAD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $4 | $446 | 1.51% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $26 | $335 | 1.13% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.18% |
| JAMES PEW3 Filed as: JAMES R BROGLEN | C/O MCGRIFF INS SERV RALEIGH, NC 27612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.12% |
| KYLE HARDING3 | 314 HARDING RD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| TRACY HENSON TUTOR3 | 9931 CYPRESS WILLOW CV OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 340 | $2.5M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 312 | $107K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 312 | $25K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 235 | $189K |
| Short-term disability | USABLE LIFE | 235 | $160K |
| Long-term disability | USABLE LIFE | 235 | $160K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 340 | $2.5M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 235 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
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.