| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $44K | $44K | 2.51% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $8K | $2K | $10K | 7.66% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $4K | — | $4K | 2.77% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $440 | — | $440 | 0.32% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $362 | — | $362 | 0.26% |
| KAREN BAGLEY3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $56 | — | $56 | 0.04% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 7.30% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS RD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 1.07% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.21% |
| NIKGREJESKEN INC3 | 818 MISSILE BASE RD JUDSONIA, AR 72081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.21% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.19% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 306 | $1.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 386 | $95K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 289 | $26K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 184 | $141K |
| Short-term disability | USABLE LIFE | 184 | $137K |
| Long-term disability | USABLE LIFE | 184 | $137K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 306 | $1.7M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 215 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.