| 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 | $17K | $51K | $68K | 5.75% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFIT MANAGEMENT INC. | 5852 KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $7K | 11.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.47% |
| KYLE HARDING3 | 520 WEST 12TH STREET TEXARKANA, TX 75501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 8.19% |
| MJ INSURANCE3 Filed as: DONNA M. TAYLOR AND VARIOUS AGENTS | PO BOX 962 PRAIRIE GROVE, AR 72753 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $478 | $4K | 6.18% |
| DONNA M GEABHART3 Filed as: DONNA M. GEABHART | 1500 JENNIFER STREET SPRINGDALE, AR 72762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $614 | $2K | 3.83% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 NORTH GABEL DRIVE FAYETTEVILLE, AR 72703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $605 | $2K | 3.44% |
| TANA L MAY3 Filed as: TANA L. MAY | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $57 | $1K | 2.13% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 390 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.