| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY CAIN | 855 NICHOLAS ROAD SPRINGDALE, AR 72765 | USABLE LIFE | $7K | — | $7K | 15.00% |
| TIMOTHY CAIN | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $2K | — | $2K | 7.00% |
| TIMOTHY CAIN | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $1K | — | $1K | 44.27% |
| JOHN TAYLOR | 4240 E. BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $851 | — | $851 | — |
| SCOTT SAMPLE | 4661 BRANDYWINE COVE SHERWOOD, AR 72120 | USABLE LIFE | $46 | — | $46 | — |
| JIMMIE HILBURN | 859 N STEMMONS MONTICELLO, AR 71655 | USABLE LIFE | $43 | — | $43 | — |
| JEREMY BELL Filed as: JEREMY HAWKINS | 3060 WINDSONG LANE CONWAY, AR 72034 | USABLE LIFE | $24 | — | $24 | — |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 154 | $868K |
| Dental | DELTA DENTAL | 280 | $66K |
| Life insurance(2 contracts) | USABLE LIFE | 184 | $51K |
| Long-term disability | USABLE LIFE | 154 | $23K |
| Prescription drug | HEALTH ADVANTAGE | 154 | $868K |
| Other | USABLE LIFE | 76 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.