| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC. | 4 CENTURY DR. STE 360 PARSIPPANY, NJ 07054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | — | $228 | 9.99% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 10800 FINANCIAL CENTRE PKWY STE 300 LITTLE ROCK, AR 72211 | USABLE LIFE | $15 | — | $15 | 4.12% |
| KRISTIN HAYES3 | 4019 E. CHURCHILL DR. FAYETTEVILLE, AR 72701 | USABLE LIFE | $11 | — | $11 | 3.02% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RD. STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2 | — | $2 | 0.55% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $3K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.