| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPRINGDALE, AR 72764 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $20K | $0 | $20K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $9K | $0 | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $73 | $73 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | EYEMED VISION CARE | $2K | $0 | $2K | 9.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 26.38% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH AND ASSOCIATES | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.23% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 282 | $1.4M |
| Dental | DELTA DENTAL OF ARKANSAS | 256 | $90K |
| Vision | EYEMED VISION CARE | 263 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 222 | $89K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 222 | $89K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 222 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.