| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGENBOTHAM INSURANCE | 500 W 13TH ST FT. WORTH, TX 76102 | USABLE LIFE | $30K | — | $30K | 13.50% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $3K | $1K | $5K | 2.15% |
| MARIA VANDYKE4 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $486 | — | $486 | 0.22% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $397 | — | $397 | 0.18% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: AR BLUE CROSS BLUE SHIELD | 601 S. GAINES ST. LITTLE ROCK, AR 72201 | USABLE LIFE | $259 | — | $259 | 0.12% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 229 | $2.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 530 | $134K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 438 | $41K |
| Life insurance | USABLE LIFE | 134 | $219K |
| Short-term disability | USABLE LIFE | 134 | $219K |
| Long-term disability | USABLE LIFE | 134 | $219K |
| Other | USABLE LIFE | 134 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.