| 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 | $0 | $66K | $66K | 11.67% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $14K | $14K | 2.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | P.O. BOX 2181 LITTLE ROCK, AR 722032181 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $7K | $7K | 12.62% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 4.98% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $4K | $163 | $4K | 20.93% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $876 | — | $876 | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $96 | — | $96 | 0.55% |
| 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 | $79 | — | $79 | 0.45% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 20.00% |
| BXS INSURANCE INC Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | ARKANSAS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 10.04% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $3K | $74 | $3K | 20.57% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $642 | — | $642 | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $71 | — | $71 | 0.55% |
| 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 | $58 | — | $58 | 0.45% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $116 | — | $116 | 1.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $16 | — | $16 | 0.14% |
| 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 | $13 | — | $13 | 0.11% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $337 | — | $337 | 9.99% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $34 | — | $34 | 1.01% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $5 | — | $5 | 0.15% |
| 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 | $4 | — | $4 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 NONE | Contract Administrator Service code 13 | P.O. BOX 2181 LITTLE ROCK, AR 722032181 | $72K |
| CADENCE INSURANCE INC NONE | Insurance agents and brokers Service code 22 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | $29K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 128 | $562K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 161 | $55K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 152 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 152 | $24K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 41 | $17K |
| Long-term disability(2 contracts) | USABLE LIFE | 50 | $21K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 128 | $562K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 152 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.