| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC. | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $7K | $2K | $9K | 10.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $7K | — | $7K | 7.42% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $4K | — | $4K | 4.97% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $489 | — | $489 | 0.55% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $400 | — | $400 | 0.45% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 10.06% |
| NA3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 CARRIER | Plan Administrator Service code 14 | — | $63K |
| CIGNA CORP EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $22K |
| CADENCE INSURANCE INC EIN 72-1381997 BROKER | Other commissions Service code 55 | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | $11K |
| CAREOPERATIVE RECEIVABLES - HC EIN 20-8981027 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2K |
| HEALTHGRAM - TELADOCINC. EIN 47-4591265 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 187 | $52K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 191 | $17K |
| Life insurance | USABLE LIFE | 135 | $90K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.