| 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 | $35K | — | $35K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $7K | — | $7K | 7.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P O BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $6K | — | $6K | 15.00% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $403 | — | $403 | 0.99% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $81 | — | $81 | 0.20% |
| AUDREY CARTER3 Filed as: AUDREY L CARTER | 909 NORTHRIDGE DR VAN BUREN, AR 72956 | AFLAC | $2K | $158 | $2K | 6.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | AFLAC | $2K | — | $2K | 6.20% |
| LEORA DENISE MOORE3 | 700 KEZER DR CEDARVILLE, AR 72932 | AFLAC | $668 | $49 | $717 | 2.65% |
| CHRISTOPHER D COCKBURN3 | 1412 14TH CIR BARLING, AR 72923 | AFLAC | $540 | $49 | $589 | 2.18% |
| BRENDA KAY BRESHEARS3 | 8464 WILLOW CREEK DR VAN BUREN, AR 72956 | AFLAC | $230 | $73 | $303 | 1.12% |
| REBECCA BANDY3 Filed as: REBECCA I BANDY | 18039 DON DR SPIRO, OK 74959 | AFLAC | $171 | — | $171 | 0.63% |
| CLARENCE F DURHAM JR3 | 2509 LAKESIDE DR GREENWOOD, AR 72936 | AFLAC | $152 | — | $152 | 0.56% |
| DOUGLAS ELMORE3 Filed as: DOUGLAS D ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $120 | — | $120 | 0.44% |
| KENNETH ENGSTROM3 Filed as: KENNETH W ENGSTROM | 3404 MEANDERING CT FORT SMITH, AR 12903 | AFLAC | $117 | — | $117 | 0.43% |
| RANDALL JOHNSON3 | 9928 WILLOWBROOK LOOP FORT SMITH, AR 72908 | AFLAC | $77 | $29 | $106 | 0.39% |
| AMY GREEN3 Filed as: AMY F GREEN | 606 E 45TH ST SAVANNAH, GA 31405 | AFLAC | $95 | — | $95 | 0.35% |
| CHRISTOPHER L RINK3 | 3411 S 28TH ST FORT SMITH, AR 72901 | AFLAC | $69 | — | $69 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $28 | — | $28 | 0.10% |
| EARL GENE CAULEY JR3 | 715 WOODKIRK CIR ALMA, AR 72921 | AFLAC | $23 | — | $23 | 0.08% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $15 | — | $15 | 0.06% |
| BYRON KEITH BURRELL3 Filed as: BYRON KIETH BURRELL | 2805 LONDONBERRY LN CONWAY, AR 72034 | AFLAC | $13 | — | $13 | 0.05% |
| DAVID E CIAMPOLI3 | 1204 BIG OAK DR ALMA, AR 72921 | AFLAC | $10 | — | $10 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P O BOX 3529 FORT SMITH, AK 72913 | USABLE LIFE | $4K | — | $4K | 15.00% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $259 | — | $259 | 0.96% |
| DUNCAN, JERRY3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $52 | — | $52 | 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 | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOC | P O BOX 3529 FORT SMITH, AR 72913 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 6.03% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 4.49% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 3.26% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 1.97% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOC | P O BOX 3529 FORT SMITH, AR 72913 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 3.71% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.56% |
| ROE BARRY J3 Filed as: BJ ROE & ASSOC LLC | 350 INDIAN HILLS DRIVE CONWAY, AR 72034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.37% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AK 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.37% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.65% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AK 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.39% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOC | P O BOX 3529 FORT SMITH, AR 72913 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.90% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.67% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.67% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOC | P O BOX 3529 FORT SMITH, AR 72913 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 5.56% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 4.17% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 4.17% |
| AF SMITH & ASSOCIATES3 | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 2.93% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 281 | $1.2M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 326 | $90K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 181 | $21K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 171 | $28K |
| Short-term disability | AFLAC | 33 | $27K |
| Long-term disability | USABLE LIFE | 171 | $41K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 281 | $1.2M |
| Other(6 contracts, 3 carriers) | AFLAC | 171 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.