| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $21K | $21K | 5.13% |
| SECURITY BENEFITS SOLUTIONS3 Filed as: SECURITY BENEFITS SOLUTIONS, LLC | 510 SOUTH ST. LOUIS STREET BATESVILLE, AR 72501 | USABLE LIFE | $32K | — | $32K | 16.81% |
| SONYA GEORGE3 | 1062 SEARCY, AR 72143 | USABLE LIFE | $9K | — | $9K | 4.68% |
| GROUP HEALTH CAPTIVE INC3 | 513 CENTER ST LITTLE ROCK, AR 72201 | USABLE LIFE | $6K | — | $6K | 3.19% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $793 | — | $793 | 0.42% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $649 | — | $649 | 0.34% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 4.53% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 89 | $407K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $82K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 254 | $24K |
| Life insurance | USABLE LIFE | 158 | $188K |
| Short-term disability | USABLE LIFE | 158 | $188K |
| Long-term disability | USABLE LIFE | 158 | $188K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 89 | $407K |
| Other | USABLE LIFE | 158 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.