| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | VISION SERVICE PLAN | $1K | — | $1K | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $4K | — | $4K | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $225 | — | $225 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $3K | — | $3K | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $74 | — | $74 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $384 | — | $384 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $361 | — | $361 | 8.03% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $91 | — | $91 | 2.02% |
| JEREMY BELL | 635 NORTHWIND CIR CONWAY, AR 72034 | USABLE LIFE | $48 | — | $48 | 1.07% |
| SCOTT SAMPLE | 4661 BRANDYWINE COVE SHERWOOD, AR 72120 | USABLE LIFE | $37 | — | $37 | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $251 | — | $251 | 6.47% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD AVE STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $63 | — | $63 | 1.62% |
| SCOTT SAMPLE | 4661 BRANDYWINE CIR SHERWOOD, AR 72120 | USABLE LIFE | $31 | — | $31 | 0.80% |
| JEREMY BELL | 635 NORTHWIND CIR CONWAY, AR 72034 | USABLE LIFE | $8 | — | $8 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $341 | — | $341 | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $114 | — | $114 | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $85 | — | $85 | 8.00% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $21 | — | $21 | 1.98% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $48 | — | $48 | 7.96% |
| JEREMY BELL | 635 NORTHWIND CIR CONWAY, AR 72034 | USABLE LIFE | $18 | — | $18 | 2.99% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $12 | — | $12 | 1.99% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 476 | $1.6M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 487 | $126K |
| Life insurance(2 contracts) | USABLE LIFE | 222 | $47K |
| Short-term disability | USABLE LIFE | 114 | $9K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 476 | $1.6M |
| Other(7 contracts) | USABLE LIFE | 222 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.