| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $38K | — | $38K | 2.50% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 6.01% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.23% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 19.90% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | USABLE LIFE | $150 | — | $150 | 3.57% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $15 | $89 | $104 | 2.48% |
| MITRA BINKLEY3 Filed as: MITRA BRINKLEY | 5009 SILVER OAK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $102 | — | $102 | 2.43% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 161 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 336 | $118K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $33K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 161 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.