| 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 | $5K | — | $5K | 5.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AK 72913 | USABLE LIFE | $3K | — | $3K | 14.98% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $222 | — | $222 | 1.14% |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $44 | — | $44 | 0.23% |
| 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 | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $4K | — | $4K | — |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $349 | — | $349 | — |
| DUNCAN, JERRY3 | C/O ARKANSAS BCBS 516 EAST MILLSAP RD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $70 | — | $70 | — |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 234 | $811K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 273 | $78K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 159 | $18K |
| Life insurance | USABLE LIFE | 139 | $19K |
| Long-term disability | USABLE LIFE | 139 | $0 |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 234 | $811K |
| Other | USABLE LIFE | 139 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.