| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $2K | $201 | $2K | 16.53% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $655 | — | $655 | 5.00% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVELLE, AR 72703 | USABLE LIFE | $131 | — | $131 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $236 | $264 | $500 | 7.05% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $136 | — | $136 | 1.92% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVELLE, AR 72703 | USABLE LIFE | $27 | — | $27 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $410 | $58 | $468 | 17.11% |
| NEEDHAM, DAVID3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $137 | — | $137 | 5.01% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVELLE, AR 72703 | USABLE LIFE | $27 | — | $27 | 0.99% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | USABLE LIFE | 159 | $23K |
| Other | USABLE LIFE | 159 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.