| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $2K | $345 | $2K | 6.08% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $156 | — | $156 | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $89 | — | $89 | 0.28% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $1K | $214 | $1K | 5.90% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $122 | — | $122 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $59 | — | $59 | 0.25% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $237 | $188 | $425 | 1.90% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $21 | — | $21 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $20 | — | $20 | 0.09% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $3K | $191 | $3K | 13.74% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | HOLLY RUSSELL 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $317 | — | $317 | 1.54% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $255 | — | $255 | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $160 | — | $160 | 0.78% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $24 | — | $24 | 0.12% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | — | $219 | $219 | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $18 | — | $18 | 0.10% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $18 | — | $18 | 0.10% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $1K | $135 | $1K | 10.89% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | HOLLY RUSSELL 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $137 | — | $137 | 1.17% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $112 | — | $112 | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $66 | — | $66 | 0.56% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $23 | — | $23 | 0.20% |
| THE HATCHER AGENCY3 | PO BOX 3505 BATESVILLE, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.32% |
| ROBERT W ALLEN3 | 39 SUNCREST DRIVE CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.81% |
| LEGACY CAPITAL GROUP ARKANSAS, LLC3 Filed as: LEGACY CAPITAL GROUP ARKANSAS LLC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.35% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT ROAD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.26% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DRIVE FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.22% |
| J&K DOUGLAS SALES INC3 | 150 CRYSTAL LAKE ROAD AUSTIN, TX 72007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| NIKGREJESKEN INC3 | 120 SHELBY ROAD SHERWOOD, AR 72120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| KYLE HARDING3 | 520 W 12TH STREET TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $233 | $51 | $284 | 6.11% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $23 | — | $23 | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BILL BROWN | 707 EAST MATTHEWS JONESBORO, AR 72401 | USABLE LIFE | $13 | — | $13 | 0.28% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 372 | $1.6M |
| Dental | DELTA DENTAL | 413 | $87K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 285 | $25K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 174 | $65K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $10K |
| Long-term disability | USABLE LIFE | 174 | $22K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 372 | $1.6M |
| Other(3 contracts) | USABLE LIFE | 77 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.