| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OHAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OHAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.35% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OHAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.46% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.23% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | THE HARTFORD | $2K | — | $2K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS INC CLAIMS PREPARATION | Claims processing Service code 12 | — | $115K |
| BROWN-HILLER-CLARK & ASSOCIATES BROKER FEES | Insurance agents and brokers Service code 22 | 5500 EUPER LANE FORT SMITH, AR 72903 | $33K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHSCOPE BENEFITS INC | 334 | $222K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 614 | $189K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 540 | $45K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OHAHA LIFE INSURANCE COMPANY | 396 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $60K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HEALTHSCOPE BENEFITS INC | 334 | $222K |
| Other | OPTUM HEALTH | 334 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.