| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $2K | — | $2K | 5.91% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $203 | — | $203 | 0.65% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $166 | — | $166 | 0.53% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $269 | — | $269 | 1.09% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $30 | — | $30 | 0.12% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $24 | — | $24 | 0.10% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $270 | — | $270 | 1.10% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $30 | — | $30 | 0.12% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP RD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $24 | — | $24 | 0.10% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $525 | — | $525 | 3.24% |
| JOHN TAYLOR3 | 4240 EAST BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $27 | — | $27 | 0.17% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 180 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 150 | $75K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 111 | $16K |
| Long-term disability | USABLE LIFE | 186 | $25K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 180 | $1.1M |
| Other(3 contracts) | USABLE LIFE | 218 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.