| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $73K | $73K | 4.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $29K | — | $29K | 19.17% |
| KAREN WOODWARD3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $7K | — | $7K | 4.98% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $788 | — | $788 | 0.53% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $645 | — | $645 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.39% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.99% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 395 | $1.5M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 368 | $126K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 287 | $38K |
| Life insurance | USABLE LIFE | 216 | $149K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 216 | $190K |
| Long-term disability | USABLE LIFE | 216 | $149K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 395 | $1.5M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 216 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.