| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTER PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $4K | $149 | $4K | 11.40% |
| SONYA GEORGE3 | 1062 HIGHWAY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $1K | $14 | $1K | 4.14% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 10800 FINANCIAL CENTRE PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $1K | $0 | $1K | 4.04% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $154 | $2 | $156 | 0.46% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $126 | $0 | $126 | 0.37% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 330 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $0 |
| Life insurance | USABLE LIFE | 166 | $34K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 330 | $1.4M |
| Other | USABLE LIFE | 166 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.