| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72202 | DELTA DENTAL OF ARKANSAS | $9K | $0 | $9K | 10.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2456 CLEARWATER, FL 33757 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $228 | $0 | $228 | 0.35% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $73 | $73 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | USABLE LIFE | $730 | $0 | $730 | 27.57% |
| TIMOTHY CAIN3 | 7 EAST BOULDER CREEK BOULEVARD SUITE 212 FAYETTEVILLE, AR 72703 | USABLE LIFE | $46 | $0 | $46 | 1.74% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $9 | $0 | $9 | 0.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $6 | $0 | $6 | 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 | 183 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 273 | $86K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 272 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $66K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $66K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.2M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.