| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&P INSURANCE & INVESTMENT SERVICES3 | PO BOX 99 NEWPORT, AR 72112 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 15.00% |
| M&P INSURANCE AND INVESTMENT SERVIC3 | PO BOX 99 105 LAUREL ST. NEWPORT, AR 72112 | USABLE LIFE | $10K | — | $10K | 9.79% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $4K | — | $4K | 3.79% |
| MARIA VANDYKE3 | 13 PAWNEE CT. MAUMELLE, AR 72113 | USABLE LIFE | $438 | — | $438 | 0.42% |
| JERRY DUNCAN3 | 516 E.. MILLSAP RD. STE. 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $361 | — | $361 | 0.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BCBS | 601 S. GAINES ST. LITTLE ROCK, AR 72201 | USABLE LIFE | $77 | — | $77 | 0.07% |
| M&P INSURANCE AND INVESTMENT SERVIC3 | PO BOX 99 105 LAUREL ST. NEWPORT, AR 72112 | USABLE LIFE | $6K | — | $6K | 8.62% |
| MARTIN MCCALL3 | 315 CR 782 JONESBORO, AR 72405 | USABLE LIFE | $484 | — | $484 | 0.70% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DR. JONESBORO, AR 72404 | USABLE LIFE | $427 | — | $427 | 0.62% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 729 | $2.8M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 724 | $150K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 590 | $36K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $238K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 232 | $133K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 729 | $2.8M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 267 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.