| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FT SMITH, AR 72913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $24K | — | $24K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $5K | — | $5K | 15.00% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $355 | — | $355 | 1.15% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $56 | — | $56 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AK 72913 | USABLE LIFE | $3K | — | $3K | 15.00% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $226 | — | $226 | 1.12% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 187 | $809K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 220 | $80K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 119 | $15K |
| Life insurance | USABLE LIFE | 152 | $20K |
| Long-term disability | USABLE LIFE | 152 | $31K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 187 | $809K |
| Other | USABLE LIFE | 152 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
No prospect flags tripped on this filing.