| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $10K | — | $10K | 15.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $815 | — | $815 | 1.26% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $217 | — | $217 | 0.34% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $43 | — | $43 | 0.07% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $2 | — | $2 | 0.00% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD ATTN JOHN D GRANT HOT SPRINGS, AR 71913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $6K | — | $6K | 10.03% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 8.49% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $776 | — | $776 | 1.64% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $150 | — | $150 | 0.32% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $10K | — | $10K | 25.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 4.58% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $596 | — | $596 | 1.54% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $119 | — | $119 | 0.31% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $44 | — | $44 | 0.11% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $3K | — | $3K | 9.27% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $752 | — | $752 | 2.10% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $135 | — | $135 | 0.38% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $3K | — | $3K | 15.00% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $1K | — | $1K | 4.55% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $359 | — | $359 | 1.57% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $72 | — | $72 | 0.31% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $26 | — | $26 | 0.11% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 7.61% |
| DODSON, MICHAEL3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $546 | — | $546 | 2.45% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $189 | — | $189 | 0.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $70 | — | $70 | 0.31% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.17% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $33 | — | $33 | 0.15% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $13 | — | $13 | 0.06% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 10.61% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $327 | — | $327 | 2.66% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $63 | — | $63 | 0.51% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 8.78% |
| DEBORAH BRAINARD3 | 418 SUNCREST STREET BRYANT, AR 72022 | USABLE LIFE | $204 | — | $204 | 1.78% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $38 | — | $38 | 0.33% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $236 | — | $236 | 9.99% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $102 | — | $102 | 4.32% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $41 | — | $41 | 1.74% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.34% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $2 | — | $2 | 0.08% |
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 | 625 | 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) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 402 | $2.2M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 493 | $278K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 367 | $55K |
| Life insurance(2 contracts) | USABLE LIFE | 625 | $77K |
| Short-term disability | USABLE LIFE | 111 | $39K |
| Long-term disability | USABLE LIFE | 65 | $23K |
| Prescription drug | HEALTH ADVANTAGE | 402 | $2.2M |
| Other(7 contracts) | USABLE LIFE | 625 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.