| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 10.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $317 | — | $317 | 0.74% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $63 | — | $63 | 0.15% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 10.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $2K | $25 | $2K | 5.07% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $367 | — | $367 | 1.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | — | $7 | $7 | 0.02% |
| 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 | $932 | $6 | $938 | 5.03% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $186 | — | $186 | 1.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | — | $2 | $2 | 0.01% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.01% |
| JOHNNY D GRANT3 | 918 B AIRPORT ROAD HOT SPRINGS NATIONAL P, AR 71913 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 16.24% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $908 | — | $908 | 10.01% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $69 | — | $69 | 0.76% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $14 | — | $14 | 0.15% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 123 | $1.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 136 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 283 | $15K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 151 | $60K |
| Short-term disability | USABLE LIFE | 74 | $43K |
| Long-term disability | USABLE LIFE | 70 | $19K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 123 | $1.3M |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 151 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.