| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $23K | — | $23K | 1.98% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | DELTA DENTAL OF ARKANSAS | $9K | $0 | $9K | 10.07% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | USABLE LIFE | $5K | — | $5K | 13.79% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 4.06% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $451 | — | $451 | 1.22% |
| MARIA VANDYKE3 Filed as: MARIA VAN DYKE | 13 PAWNEE CT. MAUMELLE, AR 72113 | USABLE LIFE | $165 | — | $165 | 0.45% |
| JERRY DUNCAN3 | 516 EAST MILSAP RD. STE. 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $135 | — | $135 | 0.37% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE | 5806 SUMMERFIELD DR. TEXARKANA, TX 75503 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 9.99% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 242 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 255 | $91K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 232 | $15K |
| Life insurance | USABLE LIFE | 224 | $37K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 242 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.