| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIN, THMOTHY3 | 671 ORIOLE DR SPRINGDALE, AR 72765 | USABLE LIFE | $51 | — | $51 | 0.20% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSA RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $50 | — | $50 | 0.20% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSA RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $48 | — | $48 | 0.21% |
| CAIN, TIMOTHY3 | 671 ORIOLE DR SPRINGDALE, AR 72762 | USABLE LIFE | $40 | — | $40 | 0.17% |
| CAIN, TIMOTHY3 | 671 ORIOLE DR SPRINGDALE, AR 72762 | USABLE LIFE | $97 | — | $97 | 0.55% |
| TAYLOR, JOHN3 | 4240 E BRIDGEWATER FAYETTEVILLE, AR 72703 | USABLE LIFE | $19 | — | $19 | 0.11% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 195 | $1.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 285 | $78K |
| Long-term disability | USABLE LIFE | 202 | $23K |
| Prescription drug | HEALTH ADVANTAGE | 195 | $1.3M |
| Other(2 contracts) | USABLE LIFE | 224 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.