| 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 | $11K | — | $11K | 9.99% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8K | — | $8K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | ATTN - SAMANTHA DAVIDSON 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $2K | — | $2K | 2.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $594 | — | $594 | 0.75% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $119 | — | $119 | 0.15% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $630 | — | $630 | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | ATTN - SAMANTHA DAVIDSON 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $126 | — | $126 | 2.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $123 | — | $123 | 1.95% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $25 | — | $25 | 0.40% |
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 | 700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 182 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 0 | $109K |
| Life insurance | USABLE LIFE | 694 | $6K |
| Long-term disability | USABLE LIFE | 423 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.