| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH BENNETT AND OTHER AGENTS3 | 150 SLATTON LANE SEARCY, AR 72143 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $195K | $88K | $283K | 31.17% |
| JASON EVERETT3 | 50 PROVIDENCE LANE GREENBRIER, AR 72058 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $46K | $0 | $46K | 5.10% |
| KEVIN PETERSON3 | 5801 EAST 41ST STREET, SUITE 804 TULSA, OK 74135 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 1.40% |
| MICHELE E. SELLORS3 Filed as: MICHELE SELLORS | 504 TIMBER LAKE DRIVE SOUTHLAKE, TX 76092 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.33% |
| GAITHER-EVERETT3 | 13601 PRESTON ROAD, SUITE W640 DALLAS, TX 75240 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.98% |
| MICHAEL CHRISTOPHER3 | 2810 KIMBERLY STREET NEWPORT, AR 72112 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 0.76% |
| HAILEY TEDDER3 | 2619 WEST MARTIN STREET, 5TH APARTMENT CONWAY, AR 72034 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 0.70% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 5.88% |
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 | 2,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,782 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,782 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 1,906 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 233 | $179K |
| Other(3 contracts, 3 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 1,906 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,782 | — |
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.