| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON PHILLIPS, LLC3 Filed as: HENDERSON PHILLIPS | 106 SOUTH BROADWAY SILOAM SPRINGS, AR 72761 | USABLE LIFE | $9K | — | $9K | 11.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $4K | — | $4K | 5.51% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | — | $3K | 3.50% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $305 | — | $305 | 0.40% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $251 | — | $251 | 0.33% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $29 | — | $29 | 0.04% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $5K | — | $5K | 10.00% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 116 | $739K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 133 | $54K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 132 | $11K |
| Life insurance | USABLE LIFE | 102 | $77K |
| Short-term disability | USABLE LIFE | 102 | $77K |
| Long-term disability | USABLE LIFE | 102 | $77K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 116 | $662K |
| Other | USABLE LIFE | 102 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
No prospect flags tripped on this filing.