| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOBIE JOST3 | 3705 CORNWALLIS DR. N. LITTLE ROCK, AR 72116 | USABLE LIFE | $3K | $32 | $3K | 1.55% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $341 | $3 | $344 | 0.17% |
| JERRY DUNCAN3 | 516 E. MILLSAP RD. STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $279 | — | $279 | 0.14% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DR. VAN BUREN, AR 72956 | USABLE LIFE | $408 | — | $408 | 2.59% |
| TOBIE JOST3 | 707 ASBURY ST. LOWELL, AR 72745 | USABLE LIFE | $305 | — | $305 | 1.94% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 226 | $218K |
| Long-term disability | USABLE LIFE | 226 | $203K |
| Other(2 contracts) | USABLE LIFE | 226 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.