| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD GILBERT INC,3 Filed as: TODD GILBERT INC. | DBA TODD GILBERT INSURANCE 713 S COLLEGE STREET MOUNTAIN HOME, AR 72653 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 11.65% |
| TODD GILBERT INC,3 Filed as: TODD GILBERT INC | 713 S COLLEGE STREET MOUNTAIN HOME, AR 72653 | USABLE LIFE | $2K | — | $2K | 15.00% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $793 | — | $793 | 6.09% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $52 | — | $52 | 0.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $43 | — | $43 | 0.33% |
| TODD GILBERT INC,3 Filed as: TODD GILBERT INC. | DBA TODD GILBERT INSURANCE 713 S COLLEGE STREET MOUNTAIN HOME, AR 72653 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 10.00% |
| TODD GILBERT INC,3 Filed as: TODD GILBERT INC | 713 S COLLEGE ST MOUNTAIN HOME, AR 72653 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | — | $216 | 15.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 127 | $686K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 118 | $38K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 112 | $11K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 107 | $14K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 127 | $686K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 107 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.