| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $10K | $4K | $14K | 28.59% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $3K | — | $3K | 5.91% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $324 | — | $324 | 0.65% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $265 | — | $265 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $8K | $3K | $11K | 28.75% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 6.09% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $256 | — | $256 | 0.67% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $210 | — | $210 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $6K | $2K | $8K | 26.93% |
| NEEDHAM, DAVID | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $2K | — | $2K | 5.77% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $111 | — | $111 | 0.38% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $90 | — | $90 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $2K | $770 | $3K | 26.79% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $642 | — | $642 | 5.66% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $42 | — | $42 | 0.37% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $34 | — | $34 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $598 | $272 | $870 | 29.12% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $177 | — | $177 | 5.92% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $19 | — | $19 | 0.64% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $16 | — | $16 | 0.54% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 400 | $1.4M |
| Dental | BLUE CROSS, BLUE SHIELD | 417 | $97K |
| Vision | BLUE CROSS BLUE SHIELD | 396 | $28K |
| Life insurance(2 contracts) | USABLE LIFE | 236 | $67K |
| Short-term disability(3 contracts) | USABLE LIFE | 138 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.