| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $25K | — | $25K | 22.77% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $571 | — | $571 | 0.52% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O ARKANSAS BCBS | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $467 | — | $467 | 0.42% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $1K | $7 | $1K | 2.73% |
| CHASE CAIN3 | 2206 N CLEVELAND ST LITTLE ROCK, AR 72207 | USABLE LIFE | $16 | — | $16 | 0.04% |
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 | 553 | 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) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLLUE CROSS, BLUE SHIELD, DRUG, MAJOR MEDICAL | 276 | $2.5M |
| Dental | BLUE CROSS, BLUE SHIELD, DRUG, MAJOR MEDICAL | 146 | $47K |
| Vision | BLUE CROSS, BLUE SHIELD, DRUG, MAJOR MEDICAL | 131 | $20K |
| Life insurance(2 contracts) | USABLE LIFE | 319 | $150K |
| Short-term disability | USABLE LIFE | 153 | $39K |
| Long-term disability | USABLE LIFE | 153 | $39K |
| Prescription drug | BLLUE CROSS, BLUE SHIELD, DRUG, MAJOR MEDICAL | 276 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.