| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $14K | $44K | 18.03% |
| HENDERSON PHILLIPS, LLC3 | 106 SOUTH BROADWAY STREET SILOAM SPRINGS, AR 72761 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | USABLE LIFE | $5K | $0 | $5K | 13.99% |
| HENDERSON PHILLIPS, LLC3 | 106 SOUTH BROADWAY STREET SILOAM SPRINGS, AR 72761 | USABLE LIFE | $1K | $0 | $1K | 3.33% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $848 | $41 | $889 | 2.27% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $102 | $0 | $102 | 0.26% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $93 | $0 | $93 | 0.24% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $76 | $0 | $76 | 0.19% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 376 | $1.7M |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 376 | $1.7M |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 376 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $247K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $247K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $247K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 376 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.