| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN D GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $73K | — | $73K | 4.25% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN D GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $8K | — | $8K | 10.09% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $711 | — | $711 | 1.52% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $326 | — | $326 | 0.70% |
| GROUP SERVICES UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $33 | — | $33 | 0.07% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $28 | — | $28 | 0.06% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $3K | — | $3K | 10.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $2K | $8 | $2K | 5.02% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $239 | — | $239 | 0.69% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $108 | — | $108 | 0.31% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 10.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $1K | $7 | $1K | 5.03% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $135 | — | $135 | 0.63% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $79 | — | $79 | 0.37% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 7.45% |
| DAVID FERGUSON3 Filed as: DAVID FERGUGSON | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $254 | — | $254 | 1.22% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $141 | — | $141 | 0.68% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 7.96% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $271 | — | $271 | 1.35% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $139 | — | $139 | 0.69% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.01% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN D GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 15.02% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $193 | — | $193 | 1.62% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $93 | — | $93 | 0.78% |
| GROUP SERVICE UNDERWRITERS INC3 | 601 GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $11 | — | $11 | 0.09% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $7 | — | $7 | 0.06% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $825 | — | $825 | 10.03% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $158 | — | $158 | 1.92% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $54 | — | $54 | 0.66% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $194 | — | $194 | 8.55% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $41 | — | $41 | 1.81% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $7 | — | $7 | 0.31% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT RD HOT SPRINGS, AR 71913 | USABLE LIFE | $65 | — | $65 | 7.57% |
| MARTIN MCCALL3 | 4203 STEPHANIE LN JONESBORO, AR 72401 | USABLE LIFE | $14 | — | $14 | 1.63% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72401 | USABLE LIFE | $3 | — | $3 | 0.35% |
| CHRISTOPHER SHUMAKE3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $1 | — | $1 | 0.22% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 148 | $1.7M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 173 | $84K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 151 | $20K |
| Life insurance(6 contracts, 3 carriers) | USABLE LIFE | 164 | $88K |
| Short-term disability | USABLE LIFE | 85 | $47K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 148 | $1.7M |
| Other(10 contracts, 2 carriers) | USABLE LIFE | 164 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.