| 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 | $43K | $7K | $50K | 2.77% |
| 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 | $7K | $2K | $9K | 20.48% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.74% |
| 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 | $5K | $2K | $7K | 20.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $862 | — | $862 | 2.62% |
| 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 | 20.76% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE | — | $609 | $609 | 2.88% |
| 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 | $4K | $1K | $5K | 25.39% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $519 | $519 | 2.70% |
| WILLIAM RANDALL MALONE3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CHRISTOPHER HAGER Filed as: CHRISTOPHER BLOCK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $202 | — | $202 | 1.14% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $183 | — | $183 | 1.03% |
| ERICA J LEONHARDT Filed as: ERICA MUNDY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STEVEN GAITHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$11 | — | -$11 | -0.06% |
| DALLAS INSURANCE EXCHANGE II INC Filed as: DALLAS MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$16 | — | -$16 | -0.09% |
| MELVIN R JONES Filed as: MELVIN DALLAS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$16 | — | -$16 | -0.09% |
| JASON EVERETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$34 | — | -$34 | -0.19% |
| BRITTANY WHITE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$311 | — | -$311 | -1.76% |
| VETA MELVIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$2K | — | -$2K | -9.44% |
| 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 | $523 | $3K | 25.29% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | — | $261 | 2.64% |
| 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 | $508 | $2K | 20.62% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $254 | $254 | 2.81% |
| 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. Filed as: BROWN HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | AFLAC | $404 | — | $404 | 4.74% |
| AUDREY CARTER | 909 NORTHRIDGE DR VAN BUREN, AR 72956 | AFLAC | $261 | $50 | $311 | 3.65% |
| BRENDA KAY BRESHEARS | 8464 WILLOW CREEK DR VAN BUREN, AR 72956 | AFLAC | $175 | $79 | $254 | 2.98% |
| LEORA DENISE MOORE | 700 KEZER DR CEDERVILLE, AR 72932 | AFLAC | $197 | $26 | $223 | 2.61% |
| CHRISTOPHER COCKBURN | 1412 14TH CIR BARLING, AR 72923 | AFLAC | $150 | $26 | $176 | 2.06% |
| ANNEKE BOLLMAN ZIEGLER Filed as: ANNEKE BINKLEY BUNTING | 810 WOODLAN WAY GREENWOOD, AR 72936 | AFLAC | $46 | — | $46 | 0.54% |
| DOUGLAS ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $25 | — | $25 | 0.29% |
| TONYA SUE ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $25 | — | $25 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72034 | AFLAC | $14 | — | $14 | 0.16% |
| CHERISE M WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $1 | — | $1 | 0.01% |
| KENNETH COLLINS JR Filed as: KENNETH M COLLINS JR | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $1 | — | $1 | 0.01% |
| VETA MELVIN | — | LIBERTY NATIONAL INSURANCE COMPANY | $509 | — | $509 | 58.11% |
| ERICA J LEONHARDT Filed as: ERICA MUNDY | — | LIBERTY NATIONAL INSURANCE COMPANY | $120 | — | $120 | 13.70% |
| JASON EVERETT | — | LIBERTY NATIONAL INSURANCE COMPANY | $116 | — | $116 | 13.24% |
| CHRISTOPHER HAGER Filed as: CHRISTOPHER BLOCK | — | LIBERTY NATIONAL INSURANCE COMPANY | $82 | — | $82 | 9.36% |
| STEVEN GAITHER | — | LIBERTY NATIONAL INSURANCE COMPANY | $30 | — | $30 | 3.42% |
| SHAWNA STARR NYHAUG Filed as: SHAWNA DENARVAEZ | — | LIBERTY NATIONAL INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 249 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 346 | $1.8M |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $85K |
| Short-term disability(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.