| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 2.10% |
| 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 | — | $8K | $8K | 12.61% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72201 | ARKANSAS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 4.71% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $4K | $173 | $4K | 21.95% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $956 | — | $956 | 5.25% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $105 | — | $105 | 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 | $86 | — | $86 | 0.47% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $3K | $91 | $3K | 21.71% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $716 | — | $716 | 5.26% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $79 | — | $79 | 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 | $65 | — | $65 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 17900 CHENAL PARKWAY, SUITE 100 LITTLE ROCK, AR 72223 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | $170 | $3K | 21.26% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $1K | — | $1K | 10.46% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $123 | — | $123 | 1.05% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $17 | — | $17 | 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 | $14 | — | $14 | 0.12% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | USABLE LIFE | $251 | — | $251 | 11.17% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $25 | — | $25 | 1.11% |
| 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 | $3 | — | $3 | 0.13% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $3 | — | $3 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CADENCE INSURANCE INC NONE | Insurance agents and brokers Service code 22 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | $31K |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $928K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 162 | $61K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 150 | $18K |
| Life insurance(2 contracts) | USABLE LIFE | 147 | $25K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 42 | $14K |
| Long-term disability(2 contracts) | USABLE LIFE | 48 | $20K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 147 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.