| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAWKINS INSURANCE AGENCY3 Filed as: HAWKINS INS AGENCY LIFE AND HEALTH | 207 E CHURCH ST MORRILTON, AR 72110 | QUALCHOICE LIFE AND HEALTH INSURANCE COMPANY | $14K | — | $14K | 2.66% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | USABLE LIFE | $10K | — | $10K | 7.70% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $1K | — | $1K | 0.93% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $124 | — | $124 | 0.10% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $101 | — | $101 | 0.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $13 | — | $13 | 0.01% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $6K | — | $6K | 5.03% |
| HAWKINS INSURANCE AGENCY3 Filed as: HAWKINS INS AGENCY LIFE AND HEALTH | 207 E CHURCH ST MORRILTON, AR 72110 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 22.28% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUALCHOICE LIFE AND HEALTH INSURANCE COMPANY | 121 | $522K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 416 | $116K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 386 | $33K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 432 | $86K |
| Short-term disability | USABLE LIFE | 284 | $125K |
| Long-term disability | USABLE LIFE | 284 | $125K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 432 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.