| 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% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $254 | — | $254 | 0.65% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $44 | — | $44 | 0.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $28 | — | $28 | 0.07% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $23 | — | $23 | 0.06% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $9 | — | $9 | 0.02% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $539 | — | $539 | 3.87% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $158 | — | $158 | 1.13% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $59 | — | $59 | 0.42% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $48 | — | $48 | 0.34% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $32 | — | $32 | 0.23% |
| JOHNNY D GRANT3 | 918 B AIRPORT ROAD HOT SPRINGS NATIONAL P, AR 71913 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 13.65% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.01% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $783 | — | $783 | 10.00% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $51 | — | $51 | 0.65% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $9 | — | $9 | 0.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.08% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.06% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $2 | — | $2 | 0.03% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $63 | — | $63 | 1.91% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $9 | — | $9 | 0.27% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $59 | — | $59 | 14.05% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $6 | — | $6 | 1.43% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 118 | $1.1M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 131 | $66K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 117 | $10K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 67 | $24K |
| Short-term disability | USABLE LIFE | 69 | $39K |
| Long-term disability | USABLE LIFE | 63 | $14K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 118 | $1.1M |
| Other(5 contracts, 2 carriers) | USABLE LIFE | 67 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.