| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BHC NEXT, LLC Filed as: BHC LIFE AND GROUP SPEC INC | 5500 EUPER LN FORT SMITH, AR 729033234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $2K | $20K | 17.60% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 23.59% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $609 | — | $609 | 5.14% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $596 | — | $596 | 5.03% |
| STEVEN RAY GRIFFIN Filed as: STEVEN GAITHERS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $157 | — | $157 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | VISION SERVICE PLAN | $780 | — | $780 | 7.39% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 69.45% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $786 | — | $786 | 16.10% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $650 | — | $650 | 13.32% |
| STEVEN RAY GRIFFIN Filed as: STEVEN GAITHERS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 3.89% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $528 | — | $528 | 58.15% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 13.55% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 11.23% |
| STEVEN RAY GRIFFIN Filed as: STEVEN GAITHERS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 3.30% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 487 | $1.8M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 503 | $10K |
| Vision | VISION SERVICE PLAN | 224 | $11K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $129K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $112K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 487 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.