| 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 | 10.00% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $366 | — | $366 | 0.70% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $73 | — | $73 | 0.14% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 AIRPORT ROAD SUITE B HOT SPRINGS, AR 71913 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 11.07% |
| JOHN TYLER & ASSOCIATES3 Filed as: JOHN GRANT | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $1K | — | $1K | 6.82% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $224 | — | $224 | 1.40% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $311 | — | $311 | 2.92% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $74 | — | $74 | 0.70% |
| DUNCAN, JERRY3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $15 | — | $15 | 0.14% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 126 | $863K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 168 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 272 | $22K |
| Life insurance(2 contracts) | USABLE LIFE | 191 | $27K |
| Short-term disability | USABLE LIFE | 197 | $52K |
| Prescription drug | HEALTH ADVANTAGE | 126 | $863K |
| Other(2 contracts) | USABLE LIFE | 191 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.