| 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 | 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 PKWY STE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $2K | — | $2K | 2.00% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $426 | — | $426 | 0.56% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $64 | — | $64 | 0.08% |
| TOBIE JOST3 | 3705 CORNWALLIS DR NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $61 | — | $61 | 0.08% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $52 | — | $52 | 0.07% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $32 | — | $32 | 0.04% |
| STEPHENS INSURANCE LLC3 | 3425 N FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $645 | — | $645 | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | ATTN SAMANTHA DAVIDSON 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | USABLE LIFE | $129 | — | $129 | 2.00% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $81 | — | $81 | 1.26% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $14 | — | $14 | 0.22% |
| TOBIE JOST3 | 3705 CORNWALLIS DR NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $11 | — | $11 | 0.17% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $11 | — | $11 | 0.17% |
| DAVID FERGUSON3 | 2200 BRYNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $5 | — | $5 | 0.08% |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 0 | $109K |
| Life insurance | USABLE LIFE | 656 | $6K |
| Long-term disability | USABLE LIFE | 367 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.