| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: AR BLUE CROSS BLUE SHIELD | PO BOX 8069 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS BLUE SHIELD | — | $105K | $105K | 14.15% |
| CAMPBELL AND COMPANY3 | ATTN BILL TALBOT PO BOX 1085 MAGNOLIA, AR 71754 | ARKANSAS BLUE CROSS BLUE SHIELD | $19K | — | $19K | 2.50% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: AR BLUE CROSS BLUE SHIELD | PO BOX 8069 LITTLE ROCK, AR 72203 | AR BLUE CROSS BLUE SHIELD | — | $6K | $6K | 16.17% |
| CAMPBELL AND COMPANY3 | ATTN BILL TALBOT PO BOX 1085 MAGNOLIA, AR 71754 | AR BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.97% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $146 | — | $146 | 2.05% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $16 | — | $16 | 0.22% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $13 | — | $13 | 0.18% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 140 | $744K |
| Dental(4 contracts, 2 carriers) | AR BLUE CROSS BLUE SHIELD | 134 | $39K |
| Vision(4 contracts, 2 carriers) | AR BLUE CROSS BLUE SHIELD | 129 | $17K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 142 | $7K |
| Short-term disability(3 contracts) | AFLAC | 60 | $0 |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 140 | $744K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 142 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.