| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 Filed as: JAMES BROGLEN | 3605 GLENWOOD RALEIGH, NC 27612 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $24K | — | $24K | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $21K | $3K | $24K | 16.42% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $7K | — | $7K | 4.45% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $723 | — | $723 | 0.49% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD, STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $592 | — | $592 | 0.40% |
| JAMES PEW3 Filed as: JAMES BROGLEN | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $8K | — | $8K | 10.02% |
| JAMES PEW3 Filed as: JAMES BROGLEN | 3605 GLENWOOD AVE SUITE 202 RALEIGH, NC 27612 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 10.97% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 317 | $1.6M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 225 | $83K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 203 | $20K |
| Life insurance | USABLE LIFE | 180 | $147K |
| Short-term disability | USABLE LIFE | 180 | $147K |
| Long-term disability | USABLE LIFE | 180 | $147K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 317 | $1.6M |
| Other | USABLE LIFE | 180 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.