| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $62K | $62K | 4.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | P.O. BOX 3529 FORT SMITH, AR 72913 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 9.79% |
| 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 | $15K | $4K | $20K | 19.37% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEECHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE | PO BOX 3529 FORT SMITH, AR 72913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 19.30% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 432 | $1.4M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 407 | $110K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 324 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $152K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 432 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.