| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | P. O. BOX 3529 FORT SMITH, AR 72913 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER INC DBA BHC INSURANCE | P. O. BOX 3529 FORT SMITH, AR 72913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 16.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER INC DBA BHC INSURANCE | P. O. BOX 3529 FORT SMITH, AR 72913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER CLARK & ASSOCIATES | P. O. BOX 3529 FORT SMITH, AR 72913 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS INC CLAIMS PREPARER | Plan Administrator Service code 14 | — | $75K |
| AETNA ACCESS NETWORK ACCESS FEE | Account maintenance fees Service code 65 | — | $47K |
| BHC LIFE & FINANCIAL INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| AHH UTILIZATION FEE | Account maintenance fees Service code 65 | — | $10K |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 325 | $111K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 163 | $26K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $46K |
| Stop-loss / reinsurancereinsurance | HEALTHSCOPE BENEFITS, INC | 340 | $300K |
| Other | OPTUM HEALTH SPECIALITY | 340 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.