| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | P.O. BOX 2181 LITTLE ROCK, AR 722032181 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $86K | $86K | 13.79% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | ARKANSAS BLUE CROSS BLUE SHIELD | $16K | — | $16K | 2.50% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $944 | $12K | 8.92% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | P.O. BOX 2181 LITTLE ROCK, AR 708097318 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $2K | $2K | 12.03% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 9.89% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $1K | — | $1K | 20.48% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $1K | — | $1K | 20.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $113 | — | $113 | 2.25% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $93 | — | $93 | 1.85% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE OF ARKANSAS | 2479 BROWNS LANE JONESBORO, AR 72401 | ARKANSAS BLUE CROSS BLUE SHIELD | $365 | — | $365 | 10.01% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $571 | — | $571 | 19.98% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $286 | — | $286 | 10.01% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $38 | — | $38 | 1.33% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $31 | — | $31 | 1.08% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $595 | — | $595 | 20.88% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $570 | — | $570 | 20.01% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $65 | — | $65 | 2.28% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $54 | — | $54 | 1.90% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $172 | — | $172 | 20.09% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $86 | — | $86 | 10.05% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $11 | — | $11 | 1.29% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $9 | — | $9 | 1.05% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 134 | $622K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $153K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $143K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $145K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $6K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $145K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 134 | $622K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.