| 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 | 4.23% |
| 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 DR VAN BUREN, AR 72956 | USABLE LIFE | $1K | — | $1K | 5.00% |
| JERRY DUNCAN | 516 EAST MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $257 | — | $257 | 1.00% |
| YOUR BENEFITS AGENCY INC Filed as: YOUR BENEFIT AGENCY INC | 17500 CHENAL PARKWAY LITTLE ROCK, AR 72223 | USABLE LIFE | $41 | — | $41 | 0.16% |
| 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 | $213 | — | $213 | 0.88% |
| JERRY DUNCAN | 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $43 | — | $43 | 0.18% |
| 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 | $485 | — | $485 | 5.00% |
| JERRY DUNCAN | 516 EAST MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $97 | — | $97 | 1.00% |
| YOUR BENEFITS AGENCY INC Filed as: YOUR BENEFIT AGENCY INC | 17500 CHENAL PARKWAY LITTLE ROCK, AR 72223 | USABLE LIFE | $56 | — | $56 | 0.58% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $1K | — | $1K | 12.99% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $373 | — | $373 | 4.04% |
| JEREMY BELL Filed as: JEREMY HAWKINS | 3060 WINDSONG LN CONWAY, AR 72034 | USABLE LIFE | $58 | — | $58 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $1K | — | $1K | 15.01% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $82 | — | $82 | 0.92% |
| JERRY DUNCAN | 516 EAST MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $16 | — | $16 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $1K | — | $1K | 13.87% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD AVE STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $319 | — | $319 | 3.77% |
| JEREMY BELL Filed as: JEREMY HAWKINS | 3060 WINDSONG LN CONWAY, AR 72034 | USABLE LIFE | $40 | — | $40 | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $489 | — | $489 | 15.00% |
| DAVID NEEDHAM | 1840 PARK RIDGE DR VAN BUREN, AR 72956 | USABLE LIFE | $163 | — | $163 | 5.00% |
| JERRY DUNCAN | 516 EAST MILLSAP RD FAYETTEVILLE, AR 72703 | USABLE LIFE | $33 | — | $33 | 1.01% |
| YOUR BENEFITS AGENCY INC Filed as: YOUR BENEFIT AGENCY INC | 17500 CHENAL PARKWAY LITTLE ROCK, AR 72223 | USABLE LIFE | $27 | — | $27 | 0.83% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $88 | — | $88 | 10.16% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $25 | — | $25 | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | 5500 EUPER LANE FORT SMITH, AR 72903 | USABLE LIFE | $60 | — | $60 | 8.01% |
| DAVID NEEDHAM | 3501 OLD GREENWOOD STE 5 FORT SMITH, AR 72903 | USABLE LIFE | $15 | — | $15 | 2.00% |
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. |
| 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) | 0 | 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 | 507 | $128K |
| Life insurance(2 contracts) | USABLE LIFE | 222 | $50K |
| Short-term disability | USABLE LIFE | 117 | $9K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 476 | $1.6M |
| Other(7 contracts) | USABLE LIFE | 222 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.