| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 Filed as: INDEPENDENT INSURANCE BROKERAGE | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $6K | — | $6K | 10.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 3.41% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $2K | — | $2K | 2.52% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72233 | USABLE LIFE | $224 | — | $224 | 0.36% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $8K | — | $8K | 15.00% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $608 | — | $608 | 1.08% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $416 | — | $416 | 0.74% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $11K | — | $11K | 25.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $1K | — | $1K | 3.40% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $1K | — | $1K | 2.54% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BNEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $183 | — | $183 | 0.42% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 15.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $822 | — | $822 | 3.42% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $604 | — | $604 | 2.51% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $34 | — | $34 | 0.14% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 8.01% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $423 | — | $423 | 1.82% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, TX 72212 | USABLE LIFE | $320 | — | $320 | 1.38% |
| JTS FIANCIAL SERVICES3 Filed as: JTS FINANCIAL DERVICES LLC | 415 NORTH MCKINNLEY STREET SUITE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $247 | — | $247 | 1.06% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $203 | — | $203 | 0.87% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $20 | — | $20 | 0.09% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 11.88% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $469 | — | $469 | 4.19% |
| JOHN HOUSTON3 | 8547 CONSTANCE WAY KNOXVILLE, TN 37923 | USABLE LIFE | $28 | — | $28 | 0.25% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $235 | — | $235 | 10.01% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $80 | — | $80 | 3.41% |
| SHUMAKE, CHRISTOPHER3 Filed as: SHUMAKE CHRISTOPHER | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $59 | — | $59 | 2.51% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $10 | — | $10 | 0.43% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | — |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $1K | — | $1K | — |
| MICHAEL CAPOOT3 | 6410 WORTH AVENUE EAST BENTON, AR 72019 | USABLE LIFE | $14 | — | $14 | — |
| RUTH BRYANT3 | 8 CHALAMONT COURT LITTLE ROCK, AR 72223 | USABLE LIFE | $3 | — | $3 | — |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | — |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $889 | — | $889 | — |
| MICHAEL CAPOOT3 | 6410 WORTH AVUENE EAST BENTON, AR 72019 | USABLE LIFE | $23 | — | $23 | — |
| RUTH BRYANT3 | 8 CHALAMONT COURT LITTLE ROCK, AR 72223 | USABLE LIFE | $0 | — | $0 | — |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | — |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $261 | — | $261 | — |
| MICHAEL CAPOOT3 | 6410 WORTH AVENUE EAST BENTON, AR 72019 | USABLE LIFE | $3 | — | $3 | — |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 412 | $1.9M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 521 | $286K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 367 | $56K |
| Life insurance(2 contracts) | USABLE LIFE | 654 | $119K |
| Short-term disability | USABLE LIFE | 159 | $43K |
| Long-term disability | USABLE LIFE | 99 | $24K |
| Prescription drug | HEALTH ADVANTAGE | 412 | $1.9M |
| Other(8 contracts) | USABLE LIFE | 654 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.