| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BFS INDEPENDENT INSURANCE INC.3 | 133 W SUNBRIDGE DRIVE FAYETTEVILLE, AR 72703 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.59% |
| BFS INDEPENDENT INSURANCE INC.3 | 133 W. SUNBRIDGE DR FAYETTEVILLE, AR 72703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $390 | $20K | 16.75% |
| BFS INDEPENDENT INSURANCE INC.3 Filed as: BFS INDEPENDENT INSURANCE, INC. | 133 W. SUNBRIDGE DR FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 9.07% |
| BFS INDEPENDENT INSURANCE INC.3 | 133 W SUNBRIDGE DRIVE FAYETTEVILLE, AR 72703 | LEADERSLIFE INSURANCE COMPANY | $12K | — | $12K | 59.19% |
| JAMES D GRACE3 Filed as: JAMES DAVID GRACE | 4401 HIGHLAND DR NORMAN, OK 73026 | LEADERSLIFE INSURANCE COMPANY | $3K | — | $3K | 13.35% |
| TYLER BLAKE REYNOLDS3 | 903 13TH PLACE ROGERS, AR 72758 | LEADERSLIFE INSURANCE COMPANY | $64 | — | $64 | 0.31% |
| BFS INDEPENDENT INSURANCE INC.3 | 133 W. SUNBRIDGE DR FAYETTEVILLE, AR 72703 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 9.10% |
| GWENDOLYN BARTHOLEMEW3 Filed as: GWENDOLYN BARTHOLOMEW | 201 WALNUT STREET LAMAR, MO 64759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.54% |
| RUGENIA LEARY3 | 1200 FRED HATFIELD CIRCLE CARTHAGE, MO 64836 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 1.53% |
| F & B INSURANCE LLC3 | 11949 ILLINOIS CHAPEL RD PRAIRIE GROVE, AR 72753 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 1.06% |
| HEATH PREWITT3 | 1423 PINECREST RD STARKVILLE, MS 39759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.48% |
| SANDRA COLEMAN3 Filed as: SANDRA COLEMNA | P.O. BOX 387 STARKSVILLE, MS 39760 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $831K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 177 | $56K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 155 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $142K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $121K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $694K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.