| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $5K | — | $5K | 0.39% |
| 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 | $5K | $2K | $6K | 19.98% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $750 | — | $750 | 2.49% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | $1K | $4K | 21.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE | — | $579 | $579 | 3.00% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE | — | — | $0 | 0.00% |
| 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 | $3K | $1K | $4K | 20.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $501 | $501 | 2.61% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $412 | — | $412 | 2.43% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $286 | — | $286 | 1.69% |
| STEVEN GAITHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 0.58% |
| DALLAS INSURANCE EXCHANGE II INC Filed as: DALLAS MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$32 | — | -$32 | -0.19% |
| ERICA J LEONHARDT Filed as: ERICA MUNDY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$297 | — | -$297 | -1.75% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -7.54% |
| 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 | $3K | $836 | $4K | 25.51% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $418 | $418 | 2.76% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BROWNHILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | AFLAC | $2K | — | $2K | 12.05% |
| AUDREY CARTER | 2521 PARK AVE VAN BUREN, AR 72956 | AFLAC | $910 | $145 | $1K | 7.56% |
| BRENDA KAY BRESHEARS Filed as: BRENDA BRESHEARS | 8464 WILLOW CREEK DR VAN BUREN, AR 72956 | AFLAC | $826 | — | $826 | 5.92% |
| LEORA DENISE MOORE Filed as: LEORA MOORE | 700 KEZER DR CEDARVILLE, AR 72932 | AFLAC | $683 | — | $683 | 4.89% |
| CHRISTOPHER COCKBURN | 1412 14TH CIR BARLING, AR 72923 | AFLAC | $376 | — | $376 | 2.69% |
| CHRISTOPHER COCKBURN | 1509 6TH TER BARLING, AR 72923 | AFLAC | $154 | $33 | $187 | 1.34% |
| VINCENT CRAVENS | 610 HIDDEN VALLEY ST VAN BUREN, AR 72956 | AFLAC | $32 | $26 | $58 | 0.42% |
| ANNEKE BOLLMAN ZIEGLER Filed as: ANNEKE BOLLMAN | 810 WOODLAN WAY GREENWOOD, AR 72936 | AFLAC | $42 | — | $42 | 0.30% |
| DOUGLAS ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $23 | — | $23 | 0.16% |
| TONYA SUE ELMORE Filed as: TONYA ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $23 | — | $23 | 0.16% |
| RONALD BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $19 | — | $19 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $12 | — | $12 | 0.09% |
| CHERISE M WADE Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $1 | — | $1 | 0.01% |
| KENNETH COLLINS JR | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $685 | $2K | 21.56% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $343 | $343 | 3.28% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | $370 | $2K | 25.59% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $185 | $185 | 2.80% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JASON EVERETT | — | LIBERTY NATIONAL | $101 | — | $101 | 6.64% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL | $63 | — | $63 | 4.14% |
| VETA MELVIN | — | LIBERTY NATIONAL | $40 | — | $40 | 2.63% |
| STEVEN GAITHER | — | LIBERTY NATIONAL | $23 | — | $23 | 1.51% |
| JASON EVERETT | — | LIBERTY NATIONAL INSURANCE COMPANY | $76 | — | $76 | 6.36% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL INSURANCE COMPANY | $47 | — | $47 | 3.93% |
| VETA MELVIN | — | LIBERTY NATIONAL INSURANCE COMPANY | $32 | — | $32 | 2.68% |
| STEVEN GAITHER | — | LIBERTY NATIONAL INSURANCE COMPANY | $17 | — | $17 | 1.42% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 441 | $1.2M |
| Life insurance(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $69K |
| Short-term disability(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $65K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.