| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $5K | — | $5K | 15.00% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 6.45% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $151 | — | $151 | 0.43% |
| JERRY DUNCAN3 | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $123 | — | $123 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $2K | — | $2K | 10.00% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $1K | — | $1K | 6.16% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $91 | — | $91 | 0.41% |
| JERRY DUNCAN3 | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $75 | — | $75 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $471 | — | $471 | 15.00% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $203 | — | $203 | 6.46% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $22 | — | $22 | 0.70% |
| JERRY DUNCAN3 | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $18 | — | $18 | 0.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS BLUE SHIELD EIN 71-0226428 | Other fees Service code 99 | P.O. BOX 2181 LITTLE ROCK, AR 72203 | $33K |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 250 | $739K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 296 | $108K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 274 | $32K |
| Life insurance | USABLE LIFE | 518 | $22K |
| Long-term disability | USABLE LIFE | 518 | $35K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 250 | $739K |
| Other(2 contracts) | USABLE LIFE | 518 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.