| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS DBA | 6701 BROADWAY EXTENSION SUITE 200 OKLAHOMA CITY, OK 73116 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $20K | — | $20K | 40.06% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $7K | $2K | $8K | 17.31% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 4.97% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $154 | — | $154 | 0.33% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | — | $126 | 0.27% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $5K | $1K | $6K | 17.31% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 4.97% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $118 | — | $118 | 0.33% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $96 | — | $96 | 0.27% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $2K | $424 | $2K | 17.24% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $621 | — | $621 | 4.94% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $68 | — | $68 | 0.54% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $56 | — | $56 | 0.45% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $2K | $371 | $3K | 27.49% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $443 | $215 | $658 | 6.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $55 | — | $55 | 0.57% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $49 | — | $49 | 0.51% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $40 | — | $40 | 0.42% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $2K | $311 | $2K | 27.08% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $364 | $170 | $534 | 6.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $46 | — | $46 | 0.55% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $40 | — | $40 | 0.47% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $33 | — | $33 | 0.39% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $1K | $211 | $1K | 23.70% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $214 | $145 | $359 | 5.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD, | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $27 | — | $27 | 0.43% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $24 | — | $24 | 0.39% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 516 EAST MILLSAP ROAD SUITE 103 RAYETTEVILLE, AR 72703 | USABLE LIFE | $19 | — | $19 | 0.31% |
| CROSS POINTE INSURANCE ADVISORS LLC3 | PO BOX 1747 FORT SMITH, AR 72902 | USABLE LIFE | $160 | $41 | $201 | 17.42% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $61 | — | $61 | 5.29% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $7 | — | $7 | 0.61% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $6 | — | $6 | 0.52% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 130 | $609K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 112 | $50K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 97 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 129 | $48K |
| Short-term disability | USABLE LIFE | 129 | $47K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 130 | $609K |
| Other(6 contracts) | USABLE LIFE | 129 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.