| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.51% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $520 | — | $520 | 1.27% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 45.34% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.36% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.08% |
| ERICA J LEONHARDT Filed as: ERICA MUNDY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $671 | — | $671 | 3.03% |
| STEVEN GAITHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $621 | — | $621 | 2.80% |
| DALLAS INSURANCE EXCHANGE II INC Filed as: DALLAS MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $134 | — | $134 | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK ASSOCIATES | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE | $3K | $854 | $3K | 18.21% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE | — | $570 | $570 | 3.00% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE | $244 | — | $244 | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $736 | $3K | 18.69% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $490 | $490 | 3.15% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $160 | — | $160 | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $552 | $3K | 23.07% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $368 | $368 | 3.15% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $194 | — | $194 | 1.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $487 | $2K | 18.08% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $325 | $325 | 2.87% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | — | $138 | 1.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $312 | $1K | 23.59% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $208 | $208 | 3.47% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 1.62% |
| VETA MELVIN | — | LIBERTY NATIONAL INSURANCE COMPANY | $160 | — | $160 | 12.28% |
| JASON EVERETT | — | LIBERTY NATIONAL INSURANCE COMPANY | $83 | — | $83 | 6.37% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL INSURANCE COMPANY | $71 | — | $71 | 5.45% |
| STEVEN GAITHER | — | LIBERTY NATIONAL INSURANCE COMPANY | $20 | — | $20 | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES INC | PO BOX 3529 FORT SMITH, AR 72913 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $49K | $56K | — |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 441 | $0 |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $83K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.