| 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 | — | $77K | $77K | 11.67% |
| 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 | — | $6K | $6K | 12.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 5.06% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $4K | $631 | $5K | 23.23% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $1K | — | $1K | 5.27% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $113 | — | $113 | 0.58% |
| 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 | 0.48% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE OF ARKANSAS | 2479 BROWNS LANE JONESBORO, AR 72401 | ARKANSAS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $2K | $377 | $3K | 23.32% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $595 | — | $595 | 5.24% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $65 | — | $65 | 0.57% |
| 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 | 0.48% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $1K | $337 | $1K | 13.05% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $571 | — | $571 | 5.17% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $38 | — | $38 | 0.34% |
| 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 | 0.28% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $314 | $103 | $417 | 13.30% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $172 | — | $172 | 5.48% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $11 | — | $11 | 0.35% |
| 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 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 NONE | Insurance agents and brokers Service code 22 | P.O. BOX 2181 LITTLE ROCK, AR 722032181 | $83K |
| BXS INSURANCE NONE | Insurance agents and brokers Service code 22 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | $15K |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 134 | $660K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 153 | $53K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 135 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 131 | $22K |
| Long-term disability(2 contracts) | USABLE LIFE | 49 | $23K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 134 | $660K |
| Other | USABLE LIFE | 131 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.