| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $97K | $97K | 12.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $25K | $2K | $27K | 19.73% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $6K | — | $6K | 4.32% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $634 | — | $634 | 0.46% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $519 | — | $519 | 0.38% |
| LISA YANDELL3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $79 | — | $79 | 0.06% |
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 11.80% |
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | — | $0 | 0.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 137 | $777K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 177 | $58K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 169 | $12K |
| Life insurance | USABLE LIFE | 108 | $137K |
| Short-term disability | USABLE LIFE | 108 | $137K |
| Long-term disability | USABLE LIFE | 108 | $137K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 137 | $777K |
| Other | USABLE LIFE | 108 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.