| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | HEALTH ADVANTAGE | $46K | — | $46K | 2.39% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $20K | — | $20K | 9.51% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $23K | — | $23K | 12.31% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $7K | — | $7K | 3.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, AR 30339 | USABLE LIFE | $4K | — | $4K | 2.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $1K | — | $1K | 0.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHEILD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $54 | — | $54 | 0.03% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $7K | — | $7K | 8.93% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AK 71852 | USABLE LIFE | $2K | — | $2K | 2.25% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 10.03% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH ADVANTAGE | 534 | $2.2M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 626 | $214K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 466 | $50K |
| Life insurance(2 contracts) | USABLE LIFE | 534 | $272K |
| Short-term disability(2 contracts) | USABLE LIFE | 534 | $272K |
| Long-term disability | USABLE LIFE | 534 | $191K |
| Prescription drug | HEALTH ADVANTAGE | 367 | $1.9M |
| Other | USABLE LIFE | 534 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.