| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $47K | — | $47K | 2.51% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 4.98% |
| SONJA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $2K | — | $2K | 2.60% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $232 | — | $232 | 0.29% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 C/O AR BLUE CROSS BLUE SHIELD FAYETTEVILLE, AR 72703 | USABLE LIFE | $192 | — | $192 | 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 | $94 | — | $94 | 0.12% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $44 | — | $44 | 0.05% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.85% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $3K | — | $3K | 10.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 156 | $1.9M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 169 | $100K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 113 | $30K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 170 | $142K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $61K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 156 | $1.9M |
| Other | USABLE LIFE | 170 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.