| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 5540 BLEAUX AVENUE, SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $4K | $31K | 13.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $9K | $11K | 5.06% |
| STRATEGIC NON-MEDICAL SLTIONS, LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $336 | $336 | 0.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 3333 PINNACLE HILLS PARKWAY SUITE 250 ROGERS, AR 72758 | DELTA DENTAL PLAN OF ARKANSAS | $19K | — | $19K | 10.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 11.80% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 431 | $2.9M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 473 | $188K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 447 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $225K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $225K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 431 | $2.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.