| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $5K | — | $5K | 9.18% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $374 | — | $374 | 0.65% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $41 | — | $41 | 0.07% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $34 | — | $34 | 0.06% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $4K | — | $4K | 8.08% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $2K | $2 | $2K | 4.05% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $195 | — | $195 | 0.44% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $160 | — | $160 | 0.36% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $2K | — | $2K | 8.35% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $796 | — | $796 | 4.18% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $87 | — | $87 | 0.46% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $72 | — | $72 | 0.38% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 11.84% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 12.44% |
| JOHNNY D GRANT3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | HARTFORD LIFE AND ACCIDENT | $248 | — | $248 | 2.56% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $835 | — | $835 | 9.15% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 78405 | USABLE LIFE | $58 | — | $58 | 0.64% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.07% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.05% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 108 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 135 | $79K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 110 | $13K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 144 | $63K |
| Short-term disability | USABLE LIFE | 73 | $58K |
| Long-term disability | USABLE LIFE | 55 | $19K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 108 | $1.4M |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 144 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.