| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | — | BLUE CROSS AND BLUE SHIELD | $21K | $110K | $131K | 15.64% |
| CROUCH INSURANCE AGENCY INC.3 Filed as: CROUCH INSURANCE AGENCCY INC | P O BOX 3941 BATESVILLE, AR 72503 | USABLE LIFE | $2K | — | $2K | 10.00% |
| PRICE, DUSTIN3 | 1800 HIDDENN CREEK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $284 | — | $284 | 1.59% |
| MCCALL, MARTIN3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $164 | — | $164 | 0.92% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $53 | $6 | $59 | 0.33% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $18 | — | $18 | 0.10% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $15 | — | $15 | 0.08% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD | 166 | $837K |
| Life insurance | USABLE LIFE | 194 | $18K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD | 166 | $837K |
| Other | USABLE LIFE | 194 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.