| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $0 | $27K | $27K | 3.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $0 | $6K | $6K | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.32% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $909 | $909 | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $850 | $5K | 18.16% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERC PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $728 | $728 | 2.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $1K | — | $1K | 9.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $323 | $2K | 18.38% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $277 | $277 | 2.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $348 | $0 | $348 | 9.99% |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 151 | $973K |
| Dental(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 179 | $70K |
| Vision(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $17K |
| Prescription drug(2 contracts) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 151 | $973K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.