| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER NOT PROVIDED3 Filed as: BROKER/INDEPENDENT AGENT | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $12K | — | $12K | 5.00% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INSURANCE SOLUTIONS LLC | 17500 CANTRELL ROAD LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 16.19% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $619 | — | $619 | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | — | $260 | 0.44% |
| STEPHENS INSURANCE LLC3 | 3425 NORTH FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5K | — | $5K | 10.00% |
| BUCKNER, WILLIAM3 | 7002 WESTSHORE AVENUE BENTON, AR 72019 | USABLE LIFE | $3K | — | $3K | 5.13% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $550 | — | $550 | 1.03% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 100 LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 13.78% |
| BUCKNER, WILLIAM3 | 7002 WESTSHORE AVENUE BENTON, AR 72019 | USABLE LIFE | $2K | — | $2K | 4.97% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $253 | — | $253 | 0.60% |
| BUCKNER, WILLIAM3 | 7002 WESTSHORE AVENUE BENTON, AR 72019 | USABLE LIFE | $2K | — | $2K | 4.99% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $233 | — | $233 | 0.60% |
| STEPHENS INSURANCE LLC3 | 3425 NORTH FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2K | — | $2K | 10.00% |
| BUCKNER, WILLIAM3 | 7002 WESTSHORE AVENUE BENTON, AR 72019 | USABLE LIFE | $1K | — | $1K | 6.95% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $262 | — | $262 | 1.39% |
| STEPHENS INSURANCE LLC3 | 3425 NORTH FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | USABLE LIFE | $1K | — | $1K | 10.00% |
| BUCKNER, WILLIAM3 | 7002 WESTSHORE AVENUE BENTON, AR 72019 | USABLE LIFE | $318 | — | $318 | 2.41% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $64 | — | $64 | 0.48% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 28.29% |
| AFCU INSURANCE SOLUTIONS, LLC.3 Filed as: AFCU INS SOLUTIONS LLC | 17500 CANTRELL ROAD LITTLE ROCK, AR 72223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.86% |
| RIEDMUELLER BENEFIT SOLUTIONS LLC3 | 820 MALLARD LANE CONWAY, AR 72034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 1.85% |
| RICKY COLLINS REYNOLDS3 | 731 HIGHWAY 225 EAST GREENBRIER, AR 72076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.27% |
| ELIZABETH M CHAPMOND3 | 122 DEER VIEW CIRCLE HOT SPRINGS, AR 71913 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| ALBERT SMITH3 | 185 VILLAS HEIGHTS DRIVE LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 40.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER OF ROGERS | 901 NORTH 47TH STREET SUITE 303 ROGERS, AR 72756 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $254 | — | $254 | 3.88% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 6800 PINNACLE VALLEY ROAD LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.35% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 349 | $2.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 378 | $243K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 372 | $61K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 540 | $118K |
| Short-term disability | USABLE LIFE | 206 | $54K |
| Long-term disability | USABLE LIFE | 409 | $42K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 349 | $2.4M |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 540 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.