| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWNHILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $7K | — | $7K | 14.82% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | $1K | $3K | 5.74% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 4.21% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $229 | $12 | $241 | 0.49% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $187 | — | $187 | 0.38% |
| BROWNHILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $6K | — | $6K | 14.32% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $2K | $626 | $2K | 5.60% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 4.24% |
| MARIA VANDYKE Filed as: MARIA VANDYE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $188 | $8 | $196 | 0.49% |
| JERRY DUNCAN | 516 EAST MILLSAP RAOD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $154 | — | $154 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $4K | — | $4K | 13.92% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $1K | — | $1K | 4.55% |
| NEEDHAM, DAVID | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $271 | — | $271 | 0.85% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $37 | — | $37 | 0.12% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $30 | — | $30 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $4K | — | $4K | 16.28% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $1K | $2K | $3K | 13.37% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $911 | — | $911 | 4.10% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $100 | $19 | $119 | 0.54% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANASA BLUE CROSS BLUE SHIELD, A | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $114 | — | $114 | 0.51% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $82 | — | $82 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $3K | — | $3K | 15.59% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $1K | $1K | $2K | 13.19% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $540 | — | $540 | 3.29% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $60 | $14 | $74 | 0.45% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $67 | — | $67 | 0.41% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $49 | — | $49 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $2K | — | $2K | 13.96% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $566 | — | $566 | 4.68% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $103 | — | $103 | 0.85% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $14 | — | $14 | 0.12% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.10% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $484 | $791 | $1K | 11.49% |
| BROWNHILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 9.14% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $446 | — | $446 | 4.02% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $49 | $10 | $59 | 0.53% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $40 | — | $40 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 15.84% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $607 | $647 | $1K | 14.24% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $299 | — | $299 | 3.40% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $33 | $8 | $41 | 0.47% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $37 | — | $37 | 0.42% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $27 | — | $27 | 0.31% |
| BROWNHILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $472 | — | $472 | 14.20% |
| BHC NEXT, LLC Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $140 | $46 | $186 | 5.59% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $136 | — | $136 | 4.09% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $15 | $1 | $16 | 0.48% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $12 | — | $12 | 0.36% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 362 | $1.5M |
| Dental | BLUE CROSS, BLUE SHIELD | 388 | $93K |
| Vision | BLUE CROSS BLUE SHIELD | 360 | $25K |
| Life insurance(2 contracts) | USABLE LIFE | 235 | $72K |
| Short-term disability(6 contracts) | USABLE LIFE | 235 | $136K |
| Long-term disability | USABLE LIFE | 50 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 362 | $1.5M |
| Other | USABLE LIFE | 58 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.