| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 123 S BROAD ST SUITE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $8K | $5K | $13K | 10.33% |
| CHRISTOPHER SHUMAKE3 | 75 VALLEY ESTATES CV LITTLE ROCK, AR 72212 | USABLE LIFE | $2K | $0 | $2K | 1.72% |
| JASON TREECE3 | 220 QUAIL RIDGE DR HOT SPRINGS, AR 71901 | USABLE LIFE | $0 | $2K | $2K | 1.21% |
| GEORGE BURKS3 Filed as: GEORGE BURKES | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $358 | $297 | $655 | 0.50% |
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 | 823 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 1,048 | $131K |
| Short-term disability | USABLE LIFE | 1,048 | $131K |
| Long-term disability | USABLE LIFE | 1,048 | $131K |
| Other | USABLE LIFE | 1,048 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.