| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE OF ARKANSAS | 10800 FINANCIAL CENTRE PKWY STE 300 LITTLE ROCK, AR 72211 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $0 | $43K | $43K | 1.50% |
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PKWY STE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $19K | $316 | $20K | 10.20% |
| WOORDWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $8K | $34 | $8K | 4.05% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $821 | $7 | $828 | 0.43% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILE, AR 72703 | USABLE LIFE | $674 | $0 | $674 | 0.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD, A | MUTUAL INS CO ATTN LISA YANDELL 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $52 | $0 | $52 | 0.03% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE OF ARKANSAS | 10800 FINANCIAL CENTRE PKWY STE 300 LITTLE ROCK, AR 72211 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $9K | $0 | $9K | 5.01% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 549 | $2.9M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 548 | $173K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 548 | $32K |
| Life insurance | USABLE LIFE | 254 | $194K |
| Short-term disability | USABLE LIFE | 254 | $194K |
| Long-term disability | USABLE LIFE | 254 | $194K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 549 | $2.9M |
| Other | USABLE LIFE | 254 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.