| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $17K | $17K | $35K | 3.00% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS BLUE SHEILD | $5K | $5K | $10K | 3.00% |
| SECURITY BENEFITS SOLUTIONS3 | 908 SIDNEY ST BATESVILLE, AR 72501 | CENTRAL UNITED LIFE INSURANCE COMPANY | $16K | $16K | $32K | 32.92% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT | 908 SIDNEY STREET BATESVILLE, AR 72501 | CENTRAL UNITED LIFE INSURANCE COMPANY | $12K | $12K | $25K | 25.57% |
| AMERICAN BENEFITS BROKERAGE3 | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | CENTRAL UNITED LIFE INSURANCE COMPANY | $12K | $12K | $24K | 25.30% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, AR 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.51% |
| STEPHEN BAKER3 | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | CENTRAL UNITED LIFE INSURANCE COMPANY | $2K | $2K | $4K | 3.70% |
| MEI BOYER3 | PO BOX 3724 BATESVILLE, AR 72501 | CENTRAL UNITED LIFE INSURANCE COMPANY | $840 | $840 | $2K | 1.75% |
| GARY L DEVUN3 Filed as: GARY DEVUN | P.O. BOX 536 MOUNTAIN VIEW, AR 72560 | CENTRAL UNITED LIFE INSURANCE COMPANY | $734 | $734 | $1K | 1.53% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $10K | $10K | $20K | 30.00% |
| SECURITY BENEFITS SOLUTIONS3 | 908 SIDNEY ST BATESVILLE, AR 72501 | FAMILY LIFE INSURANCE COMPANY | $7K | — | $7K | 20.64% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT | 908 SIDNEY ST BATESVILLE, AR 72501 | FAMILY LIFE INSURANCE COMPANY | $6K | — | $6K | 19.60% |
| AMERICAN BENEFITS BROKERAGE3 | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | FAMILY LIFE INSURANCE COMPANY | $6K | — | $6K | 17.82% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | FAMILY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.07% |
| MICHELLE REICHARDT3 | 908 SIDNEY ST BATESVILLE, AR 72501 | FAMILY LIFE INSURANCE COMPANY | $527 | — | $527 | 1.62% |
| STEPHEN BAKER3 | 1435 HILLSHIRE DRIVE HERNANDO, ME 38632 | FAMILY LIFE INSURANCE COMPANY | $512 | — | $512 | 1.57% |
| GARY L DEVUN3 Filed as: GARY DEVUN | PO BOX 536 MOUNTAIN VIEW, AR 72560 | FAMILY LIFE INSURANCE COMPANY | $325 | — | $325 | 1.00% |
| AMERICAN BENEFITS BROKDERAGE3 | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 5.00% |
| AMERICAN BENEFITS BROKERAGE3 | 1435 HILLSHIRE DR HERNANDO, MS 38632 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 16.96% |
| RANDY GLEN REICHARDT3 Filed as: RANDY REICHARDT INSURANCE AGENCY | 908 SIDNEY ST BATESVILLE, AR 72501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 16.96% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHEILD | $337 | $337 | $674 | 3.00% |
| SECURITY BENEFITS SOLUTIONS3 | 908 SIDNEY ST BATESVILLE, AR 72501 | DELTA DENTAL | $777 | $777 | $2K | 10.00% |
| AMERICAN BENEFITS BROKERAGE3 Filed as: AMERICAN BENEFITS BROKERAGE, INC. | 1435 HILLSHIRE DRIVE HERNANDO, MS 38632 | DELTA DENTAL | $777 | $777 | $2K | 10.00% |
| SECURITY BENEFITS SOLUTIONS3 | 908 SIDNEY ST BATESVILLE, AR 72501 | DELTA DENTAL | $777 | $777 | $2K | 10.00% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $183 | — | $183 | 1.38% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 349 | $1.6M |
| Dental(3 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 225 | $123K |
| Vision | DELTA DENTAL | 104 | $16K |
| Life insurance(2 contracts, 2 carriers) | FAMILY LIFE INSURANCE COMPANY | 368 | $46K |
| Short-term disability | CENTRAL UNITED LIFE INSURANCE COMPANY | 204 | $96K |
| Prescription drug(3 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 349 | $1.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.