| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DEAN GIST3 | 5508 PLAZA DRIVE TEXARKANA, TX 75503 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $25K | — | $25K | 3.20% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DR TEXARKANA, TX 755031663 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 12.60% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DRIVE TEXARKANA, TX 76182 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $311 | $2K | 10.33% |
| KIMBERLY FAITH CEARLEY3 | 736 OLD BOSTON RD APT 22 WAKE VILLAGETEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $235 | $1K | 6.30% |
| SANDRA MICHELLE HALL3 | 5508 PLAZA DR TEXARKANA, TX 75503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.23% |
| EAST TEXAS BUSINESS SOLUTIONS LLC3 | 641 COUNTRY ROAD 2311 MINEOLA, TX 75773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $115 | $511 | 2.52% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LANE LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $148 | $510 | 2.52% |
| EDNEY ENTERPRISES LLC3 | 22873 CR 3107 GLADE WATER, TX 75647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.11% |
| DEYSI LUCERO BENITEZ3 | 2840-A BILL OWENS PKWY LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $4 | $13 | 0.06% |
| MICHAEL GIDDINGS3 | 3902 HIDDEN HILLS CIR LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| MICHAEL DEAN GIST3 | 8213 THORNWOOD DRIVE NORTH RICHLAND HILLS, TX 76182 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $460 | — | $460 | 19.99% |
| ASHFORD MID SOUTH LLC3 | 6060 PRIMACY PARKWAY SUITE 175 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| DWAYNE B ALLEN3 | 189 DIAMOND POINTE DR MAUMELLE, AZ 72113 | AFLAC | $34 | — | $34 | 2.57% |
| MICHAEL D SINGLETON3 | 25 SIERRA DR AUTIN, AR 72007 | AFLAC | $25 | — | $25 | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JEREMY L BROWN | 11001 BODARC LN NORTH LITTLE ROCK, AR 72117 | AFLAC | $21 | — | $21 | 1.59% |
| ROBIN M CALLAWAY3 | 5203 CLAYBROOK CT COLUMBIA, MO 65203 | AFLAC | $13 | — | $13 | 0.98% |
| RICKY COLLINS REYNOLDS3 | 731 HIGHWAY 225 E GREENBRIER, AR 72058 | AFLAC | $5 | — | $5 | 0.38% |
| TELARA A ADAMS3 | 204 EXECUTIVE CT STE 302 LITTLE ROCK, AR 72205 | AFLAC | $2 | — | $2 | 0.15% |
| JOHN TIMOTHY MCRAE3 | 1206 WOODLAND PARK RD BRYANT, AR 72022 | AFLAC | $2 | — | $2 | 0.15% |
| MICHAEL DODSON3 Filed as: MICHAEL D GIST | 5508 PLAZA DR TEXARKANA, TX 75503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $224 | — | $224 | 25.03% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $16 | — | $16 | 2.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 122 | $766K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $129K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $129K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $130K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $129K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $129K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 122 | $766K |
| Other(5 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.