| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | USABLE LIFE | $6K | — | $6K | 5.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR JONESBORO, AR 72404 | USABLE LIFE | $398 | — | $398 | 0.34% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $197 | — | $197 | 0.17% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $66 | — | $66 | 0.06% |
| JERRY DUNCAN3 | 516 E MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $54 | — | $54 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | USABLE LIFE | $6K | — | $6K | 5.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR JONESBORO, AR 72404 | USABLE LIFE | $303 | — | $303 | 0.26% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $131 | — | $131 | 0.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $48 | — | $48 | 0.04% |
| JERRY DUNCAN3 | 516 E MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $39 | — | $39 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | USABLE LIFE | $6K | — | $6K | 5.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR JONESBORO, AR 72404 | USABLE LIFE | $293 | — | $293 | 0.26% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $127 | — | $127 | 0.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $46 | — | $46 | 0.04% |
| JERRY DUNCAN3 | 516 E MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | USABLE LIFE | $4K | — | $4K | 5.00% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR JONESBORO, AR 72404 | USABLE LIFE | $3K | — | $3K | 3.27% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $1K | — | $1K | 1.73% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $430 | — | $430 | 0.55% |
| JERRY DUNCAN3 | 516 E MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $352 | — | $352 | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | USAABLE LIFE | $395 | — | $395 | 4.99% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR JONESBORO, AR 72404 | USAABLE LIFE | $260 | — | $260 | 3.29% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USAABLE LIFE | $135 | — | $135 | 1.71% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USAABLE LIFE | $44 | — | $44 | 0.56% |
| JEFFREY DUNCAN3 | 516 E MILLSAP RD, STE 103 FAYETTEVILLE, AR 72703 | USAABLE LIFE | $36 | — | $36 | 0.46% |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 765 | $193K |
| Short-term disability | USABLE LIFE | 765 | $111K |
| Long-term disability | USABLE LIFE | 765 | $118K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 765 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.