| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE CO | $41K | — | $41K | 26.12% |
| YOUR BENEFITS AGENCY INC3 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $5K | — | $5K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $365 | — | $365 | 1.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $40 | — | $40 | 0.12% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $33 | — | $33 | 0.10% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $989 | — | $989 | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $109 | — | $109 | 0.55% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $89 | — | $89 | 0.45% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | TRUSTMARK INSURANCE CO | 168 | $158K |
| Long-term disability | USABLE LIFE | 168 | $33K |
| Other | USABLE LIFE | 68 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.