| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BATESVILLE INSURANCE AGENCY INC3 Filed as: BATESVILLE INSURANCE AGENCY INC. | 1325 HARRISON ST BATESVILLE, AR 72503 | — | $3K | — | $3K | 9.90% |
| MCCALL, MARTIN3 | 315 CR 782 JONESBORO, AR 72405 | — | $582 | — | $582 | 2.12% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | — | $64 | — | $64 | 0.23% |
| DUNKAN, JERRY3 | 516 E MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | — | $52 | — | $52 | 0.19% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD | 239 | $1.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 316 | $83K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 314 | $28K |
| Life insurance | 277 | $27K | |
| Prescription drug | BLUE CROSS AND BLUE SHIELD | 239 | $1.3M |
| Other | 277 | $27K | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.