| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN BERRYVILLE, AR 72616 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | $22K | $26K | 3.43% |
| HENDERSON PHILLIPS, LLC3 | 106 SOUTH BROADWAY SILOAM SPRINGS, AR 72761 | USABLE LIFE | $15K | $1K | $16K | 23.94% |
| DAVID FERGUSON3 | 2200 BYRNE WOOD DRIVE JONESBORO, AS 72404 | USABLE LIFE | $3K | $0 | $3K | 4.51% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $543 | $0 | $543 | 0.80% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $0 | $122 | $122 | 0.18% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $50 | $7 | $57 | 0.08% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 142 | $767K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 142 | $767K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 142 | $767K |
| Life insurance | USABLE LIFE | 112 | $68K |
| Short-term disability | USABLE LIFE | 112 | $68K |
| Long-term disability | USABLE LIFE | 112 | $68K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 142 | $767K |
| Other | USABLE LIFE | 112 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.