| 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 | $40K | — | $40K | 2.86% |
| 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 | $6K | — | $6K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 23.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $299 | $299 | 0.94% |
| 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 | $3K | — | $3K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AK 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 23.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $179 | $179 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $615 | $2K | 23.13% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AK 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $624 | $2K | 23.25% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $618 | $2K | 23.45% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.92% |
| 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 | $14 | — | $14 | 0.88% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.70% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.70% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.70% |
| 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 | $84 | — | $84 | 5.99% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 4.49% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 2.85% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.92% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 1.64% |
| 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 | $61 | — | $61 | 4.55% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AK 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.86% |
| ROE BARRY J3 Filed as: BJ ROE & ASSOC LLC | 350 INDIAN HILLS DRIVE CONWAY, AR 72034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.86% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.64% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.52% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AK 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.52% |
| 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 | $43 | — | $43 | 5.61% |
| HICKMAN PATRICK C3 | PO BOX 22492 LITTLE ROCK, AR 72221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 4.18% |
| ROE BARRY J3 | 350 INDIAN HILLS DR CONWAY, AR 720347570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 4.18% |
| AF SMITH & ASSOCIATES3 Filed as: SMITH ALBERT | 72 VILLAS CIRCLE LITTE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 3.00% |
| AUDREY CARTER3 | 909 NORTHRIDGE DR VAN BUREN, AR 72956 | AFLAC | $16 | — | $16 | 4.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | AFLAC | $10 | — | $10 | 2.56% |
| CHRISTOPHER COCKBURN3 | 1412 14TH CIR BARLING, AR 72923 | AFLAC | $5 | — | $5 | 1.28% |
| REBECCA BANDY3 | 18039 DON DR SPIRO, OK 74959 | AFLAC | $3 | — | $3 | 0.77% |
| LEORA DENISE MOORE3 Filed as: LEORA MOORE | 700 KEZER DR CEDARVILLE, AR 72932 | AFLAC | $2 | — | $2 | 0.51% |
| KENNETH ENGSTROM3 | 3404 MEANDERING CT FORT SMITH, AR 12903 | AFLAC | $1 | — | $1 | 0.26% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 282 | $1.4M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 375 | $111K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 215 | $28K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $28K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $32K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 282 | $1.4M |
| Other(9 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.