| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $44K | — | $44K | 2.49% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $10K | — | $10K | 10.08% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | USABLE LIFE | $7K | $439 | $8K | 10.67% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 2.43% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $173 | — | $173 | 0.24% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $104 | — | $104 | 0.15% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | — | $27 | $27 | 0.04% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.80% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 14.15% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | — | $405 | 1.51% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 9.97% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 166 | $1.7M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 165 | $104K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 104 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $49K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 166 | $1.7M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 172 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.