| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $1K | — | $1K | 3.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $3K | — | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $665 | — | $665 | 3.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $2K | — | $2K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $302 | — | $302 | 1.40% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $5K | — | $5K | 23.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $933 | — | $933 | 4.77% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $754 | — | $754 | 3.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN HOLLY RUSSELL 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $555 | — | $555 | 2.84% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $1K | — | $1K | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $226 | — | $226 | 1.17% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $3K | — | $3K | 21.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $613 | — | $613 | 4.37% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $523 | — | $523 | 3.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | ATTN HOLLY RUSSELL 601 GAIN LITTLE ROCK, AR 72201 | USABLE LIFE | $363 | — | $363 | 2.59% |
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.63% |
| ROBERT W ALLEN3 | 39 SUNCREST DRIVE CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.83% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANAS LLC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.72% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DRIVE FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.30% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.21% |
| BARNETT BENEFITS GROUP INC3 Filed as: BARNETT BENEFITS GROUP | 101 BARNETT ROAD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| J&K DOUGLAS SALES INC3 | 150 CRYSTAL LAKE ROAD AUSTIN, AR 72007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| KYLE HARDING3 | 105 EAST BROAD STREET TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.13% |
| NIKGREJESKEN INC3 | 120 SHELBY ROAD SHERWOOD, AR 72120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| DONNA M GEABHART3 | 1207 S 4TH STREET ROGERS, AR 72756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.10% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $781 | — | $781 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 3003 PINEWOOD CIRCLE JONESBORO, AR 72401 | USABLE LIFE | $156 | — | $156 | 3.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 374 | $1.4M |
| Dental | DELTA DENTAL | 409 | $90K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 277 | $23K |
| Life insurance(3 contracts) | USABLE LIFE | 182 | $59K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 77 | $49K |
| Long-term disability | USABLE LIFE | 172 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.