| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $8K | $0 | $8K | 10.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 5540 BLEAUX AVENUE, SUITE A SPRINGFIELD, AR 72762 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.60% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 5.44% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.72% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS INC | 5540 BLEAUX AVENUE, SUITE A SPRINGDALE, AR 72762 | STANDARD INSURANCE COMPANY | $765 | $0 | $765 | 1.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 5540 BLEAUX AVENUE, SUITE A SPRINGDALE, AR 72762 | STANDARD INSURANCE COMPANY | $352 | $0 | $352 | 0.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 10151 DEERWOOD PARK BOULEVARD B100 SUITE 500 JACKSONVILLE, FL 32256 | USABLE LIFE | $625 | — | $625 | 13.73% |
| KAREN WOODWARD3 | 4026 NORTH ZION VALLEY DRIVE FAYETTEVILLE, AR 72703 | USABLE LIFE | $42 | — | $42 | 0.92% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.13% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 10151 DEERWOOD PARK BOULEVARD B100 SUITE 500 JACKSONVILLE, FL 32256 | USABLE LIFE | $209 | $0 | $209 | 7.59% |
| MENARD WURTZ AGENCY INC.3 Filed as: MENARD INSURANCE AGENCY, LLC | 1501 NORTH UNIVERSITY, SUITE 340 LITTLE ROCK, AR 72207 | USABLE LIFE | $150 | — | $150 | 5.45% |
| KRISTIN HAYES3 | 4019 EAST CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $44 | — | $44 | 1.60% |
| KAREN WOODWARD3 | 4026 NORTH ZION VALLEY DRIVE FAYETTEVILLE, AR 72703 | USABLE LIFE | $18 | $0 | $18 | 0.65% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 188 | $82K |
| Vision | DELTA DENTAL OF ARKANSAS | 188 | $82K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 106 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 71 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 71 | $61K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 106 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.