| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | AETNA LIFE INSURANCE COMPANY | $13K | $48K | $61K | 5.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 20.09% |
| KYLE HARDING3 | 520 WEST 12TH STREET TEXARKANA, TX 75501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 14.69% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFIT MANAGEMENT, INC. | 5852 KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.62% |
| MJ INSURANCE3 Filed as: SUSAN L. WELLER AND VARIOUS AGENTS | 8002 PINE LANE ROGERS, AR 72756 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 9.45% |
| ASHLEY ELIZABETH WOLFE3 | 2353 NORTH LOWELL ROAD SPRINGDALE, AR 72764 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $382 | $5K | 8.98% |
| DONNA M GEABHART3 Filed as: DONNA M. GEABHART | 1207 SOUTH 4TH STREET ROGERS, AR 72756 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $796 | $3K | 6.87% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 4257 NORTH GABEL DRIVE FAYETTEVILLE, AR 72703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.10% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | 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)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 248 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.