| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $9K | — | $9K | 15.00% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $852 | — | $852 | 1.42% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $6K | — | $6K | 10.00% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $3K | — | $3K | 5.00% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 8.56% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $969 | — | $969 | 1.94% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $926 | — | $926 | 1.85% |
| RUTH BRYANT3 | 8 CHALAMONT COURT LITTLE ROCK, AR 72223 | USABLE LIFE | $0 | — | $0 | 0.00% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $11K | — | $11K | 25.00% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 5.00% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 11.07% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $2K | — | $2K | 6.00% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $1K | — | $1K | 3.19% |
| RUTH BRYANT3 | 8 CHALAMONT COURT LITTLE ROCK, AR 72223 | USABLE LIFE | $4 | — | $4 | 0.01% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 9.07% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $881 | — | $881 | 3.48% |
| SHUMAKE, CHRISTOPHER3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $723 | — | $723 | 2.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $92 | — | $92 | 0.36% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 15.00% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $1K | — | $1K | 5.00% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 8.72% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $302 | — | $302 | 2.10% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $191 | — | $191 | 1.33% |
| JOHN HOUSTON3 | 8547 CONSTANCE WAY KNOXVILLE, TN 37923 | USABLE LIFE | $1 | — | $1 | 0.01% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $977 | — | $977 | 8.54% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $400 | — | $400 | 3.50% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $99 | — | $99 | 0.87% |
| JOHN HOUSTON3 | 8547 CONSTANCE WAY KNOXVILLE, TN 37923 | USABLE LIFE | $33 | — | $33 | 0.29% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $190 | — | $190 | 10.02% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $95 | — | $95 | 5.01% |
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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ADVANTAGE | 419 | $1.9M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 528 | $269K |
| Vision(2 contracts, 2 carriers) | SOUTHWEST VISION SERVICE PLAN INC | 277 | $51K |
| Life insurance | USABLE LIFE | 642 | $60K |
| Short-term disability | USABLE LIFE | 147 | $45K |
| Long-term disability | USABLE LIFE | 94 | $24K |
| Prescription drug | HEALTH ADVANTAGE | 419 | $1.9M |
| Other(9 contracts) | USABLE LIFE | 642 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.