| 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 | 9.91% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $334 | — | $334 | 0.71% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $37 | — | $37 | 0.08% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $30 | — | $30 | 0.06% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $303 | — | $303 | 2.91% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $75 | — | $75 | 0.72% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $8 | — | $8 | 0.08% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $7 | — | $7 | 0.07% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $639 | — | $639 | 6.78% |
| KAYLA PROPPS3 Filed as: KAYLA PROPS | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $133 | $6 | $139 | 1.48% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $392 | — | $392 | 8.56% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $97 | — | $97 | 2.12% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $0 | — | $0 | 0.00% |
| INDEPENDENT INSURANCE BROKERAGE LLC3 | 918 B AIRPORT ROAD HOT SPRINGS, AR 71913 | USABLE LIFE | $11 | — | $11 | 5.12% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 97 | $857K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 161 | $59K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 130 | $16K |
| Life insurance | USABLE LIFE | 172 | $10K |
| Short-term disability | USABLE LIFE | 185 | $47K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 97 | $857K |
| Other(5 contracts) | USABLE LIFE | 172 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.