| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 Filed as: INDEPENDENT INSURANCE BROKERAGE, LL | — | HEALTH ADVANTAGE | $13K | — | $13K | 3.02% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 Filed as: INDEPENDENT INSURANCE BROKERAGE, LL | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 10.06% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $3K | — | $3K | 10.00% |
| HAYES, KRISTIN3 | 4019 EAST CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $217 | — | $217 | 0.72% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $43 | — | $43 | 0.14% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $3K | — | $3K | 10.00% |
| HAYES, KRISTIN3 | 4019 EAST CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $189 | — | $189 | 0.73% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.15% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD HOT SPRINGS, AR 71913 | VISION SERVICE PLAN | $375 | — | $375 | 5.12% |
| KRISTIN HAYES3 | 4019 EAST CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | VISION SERVICE PLAN | $225 | — | $225 | 3.07% |
| GROUP SERVICE UNDERWRITERS INC3 Filed as: GROUP SERVICE UNDERWRITERS DBA PINN | PO BOX 2181 LITTLE ROCK, AR 72203 | VISION SERVICE PLAN | $150 | — | $150 | 2.05% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 48 | $423K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 77 | $40K |
| Vision | VISION SERVICE PLAN | 53 | $7K |
| Life insurance | USABLE LIFE | 104 | $26K |
| Short-term disability | USABLE LIFE | 103 | $30K |
| Prescription drug | HEALTH ADVANTAGE | 48 | $423K |
| Other | USABLE LIFE | 104 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
No prospect flags tripped on this filing.