| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $5K | — | $5K | 8.63% |
| CHRISTOPHER SHUMAKE3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $399 | — | $399 | 0.73% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 11.22% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 7.37% |
| CHRISTOPHER SHUMAKE3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $188 | — | $188 | 0.98% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $177 | — | $177 | 0.93% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ARKANSAS | 320 WEST CAPITOL AVENUE 4TH FLOOR LITTLE ROCK, AR 72201 | USABLE LIFE | $19 | — | $19 | 0.10% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 130 | $698K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 171 | $69K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 294 | $23K |
| Life insurance(2 contracts) | USABLE LIFE | 199 | $74K |
| Short-term disability | USABLE LIFE | 199 | $55K |
| Prescription drug | HEALTH ADVANTAGE | 130 | $698K |
| Other(2 contracts) | USABLE LIFE | 199 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.