| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83K | $13K | $95K | 17.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 9.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PL STE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE MUTUAL INSURANE COMPANY EIN 71-0226428 NONE | Contract Administrator Service code 13 | — | $841K |
| HEALTHSCOPE BENEFITS EIN 71-0847266 NONE | Contract Administrator Service code 13 | — | $180K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Contract Administrator Service code 13 | — | $20K |
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 | 2,548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 250 | $351K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,526 | $587K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,352 | $955K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $158K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $87K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 250 | $351K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,352 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,526 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.