| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | $11K | — | $11K | 10.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $9K | — | $9K | 10.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICE GROUP, LLC | ATTN SAMANTHA DAVIDSON 1125 SANCTUARY PARKWAY STE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $2K | — | $2K | 2.00% |
| DAVID FERGUSON3 | 2200 BRYNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $560 | — | $560 | 0.61% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $164 | — | $164 | 0.18% |
| JERRY DUNCAN3 | CO ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $50 | — | $50 | 0.05% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $7 | — | $7 | 0.01% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DR SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $773 | — | $773 | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | SAMANTHA DAVIDSON 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $155 | — | $155 | 2.01% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $121 | — | $121 | 1.57% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $30 | — | $30 | 0.39% |
| JERRY DUNCAN3 | ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $11 | — | $11 | 0.14% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $1 | — | $1 | 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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 0 | $110K |
| Life insurance | USABLE LIFE | 674 | $8K |
| Long-term disability | USABLE LIFE | 394 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.