| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE PROFESSIONALS3 Filed as: COMMUNITY INSURANCE PROFESSION | PO BOX 2800 1325 HARRISON ST BATESVILLE, AR 72501 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $19K | $161K | $179K | 15.74% |
| COMMUNITY INSURANCE PROFESSIONALS3 Filed as: COMMUNITY INSURANCE PROFESSION | PO BOX 2800 1325 HARRISON ST BATESVILLE, AR 72503 | ARKANSAS BLUE CROSS BLUE SHIELD | $10K | $32K | $42K | 19.69% |
| COMMUNITY INSURANCE PROFESSIONALS3 | PO BOX 2800 BATESVILLE, AR 72401 | VISION SERVICE PLAN | $1K | — | $1K | — |
| GROUP SERVICE UNDERWRITERS INC3 Filed as: GROUP SERVICE UNDERWRITERS | PO BOX 2181 JONESBORO, AR 72401 | VISION SERVICE PLAN | $525 | — | $525 | — |
| MARTIN MCCALL3 Filed as: MARTIN TIMOTHY MCCALL | 315 COUNTY ROAD 782 JONESBORO, AR 72401 | VISION SERVICE PLAN | $301 | — | $301 | — |
| STEPHEN PHAUP3 | 2821 OVERBROOK CIR NORTH LITTLE ROCK, AR 72116 | VISION SERVICE PLAN | $267 | — | $267 | — |
| DUSTIN PRICE3 | 3413 RIDGEWAY CIR JONESBORO, AR 72404 | VISION SERVICE PLAN | $224 | — | $224 | — |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 0 | $1.1M |
| Dental(4 contracts, 2 carriers) | ARKANSAS BLUE CROSS BLUE SHIELD | 0 | $212K |
| Vision | VISION SERVICE PLAN | 181 | $0 |
| Life insurance(2 contracts) | USABLE LIFE | 0 | $0 |
| Short-term disability | USABLE LIFE | 0 | $0 |
| Long-term disability | USABLE LIFE | 0 | $0 |
| Prescription drug(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 0 | $1.1M |
| Other(2 contracts) | USABLE LIFE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.