| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPRINGDALE, AR 72764 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $522 | $522 | 0.58% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $46 | $46 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8 | $8 | 0.01% |
| 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 PLAN OF ARKANSAS | $9K | $0 | $9K | 10.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.92% |
| 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 | 18.16% |
| 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 | $1K | $0 | $1K | 27.56% |
| TIMOTHY CAIN3 | 671 ORIOLE DRIVE SPRINGDALE, AR 72762 | USABLE LIFE | $48 | $0 | $48 | 0.93% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $13 | $8 | $21 | 0.41% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | USABLE LIFE | $8 | $0 | $8 | 0.15% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $1.6M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 287 | $87K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 296 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $90K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $90K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $1.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 269 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
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.