| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 300 ASHFORD COVE JONESBORO, AR 72404 | DELTA DENTAL OF ARKANSAS | $13K | — | $13K | 4.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 415 NORTH MCKINLEY STREET SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL OF ARKANSAS | $3K | — | $3K | 0.94% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 706 WEST MAIN STREET RUSSELLVILLE, AR 72801 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $51 | $6K | 1.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, LLC | PO BOX 725110 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.94% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $491 | $491 | 0.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.01% |
| MICHAEL STANDROD3 Filed as: MICHAEL L. STANDROD | PO BOX 731 FAYETTEVILLE, AR 72702 | AFLAC | $23K | $571 | $24K | 17.38% |
| JOSEPH BERG3 | 10920 SE CAMPBELL ROAD FAYETTEVILLE, AR 72701 | AFLAC | $5K | $88 | $5K | 3.85% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $3K | $68 | $3K | 2.26% |
| EDWIN IVEY3 Filed as: EDWIN H. IVEY | 986 GREEN STREET CIRCLE GAINESVILLE, GA 30501 | AFLAC | $1K | $136 | $1K | 0.94% |
| SHARON L HALL3 Filed as: SHARON L. HALL | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $855 | $136 | $991 | 0.72% |
| RONALD JOE BENTLEY & OTHERS3 | 6301 FIELDCREST DRIVE FORT SMITH, AR 72916 | AFLAC | $866 | $0 | $866 | 0.63% |
| JEFFREY M. SINTAY & OTHERS3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $623 | $30 | $653 | 0.48% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT D. ALLEN | 11632 WEST TENAZA DRIVE PEORIA, AZ 85383 | AFLAC | $238 | $57 | $295 | 0.22% |
| CAILIN ONEILL BATES CARRIER3 | 210 EAST 7TH STREET, SUITE 6 MOUNTAIN HOME, AR 72653 | AFLAC | $231 | $0 | $231 | 0.17% |
| DAVID E CIAMPOLI3 Filed as: DAVID E. CIAMPOLI | 1204 BIG OAK DRIVE ALMA, AR 72921 | AFLAC | $218 | $0 | $218 | 0.16% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $151 | $0 | $151 | 0.11% |
| SHERON HARP3 Filed as: SHERON K HARP | 2816 NORTH THOMPSON STREET SPRINGDALE, AR 72764 | AFLAC | $145 | $0 | $145 | 0.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DRIVE FORT SMITH, AR 72916 | AFLAC | $103 | — | $103 | 0.08% |
| SCOTT MARVIN BARTON3 | 8237 HUNTINGTON TRACE FORT SMITH, AR 72916 | AFLAC | $56 | — | $56 | 0.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 300 ASHFORD COVE JONESBORO, AR 72404 | DELTA VISION PLAN OF ARKANSAS | $4K | $0 | $4K | 7.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 415 NORTH MCKINLEY STREET SUITE 305 LITTLE ROCK, AR 72205 | DELTA VISION PLAN OF ARKANSAS | $3K | $0 | $3K | 4.60% |
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 | 754 | 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) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 868 | $298K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 827 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 754 | $295K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 754 | $295K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 754 | $295K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 754 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.