| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 18.64% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN HILLER CLARK & ASSOC | PO BOX 3529 FORT SMITH, AR 72913 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.13% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN-HILLER-CLARK ASSOCIATES | PO BOX 3529 FORT SMITH, AR 72913 | USABLE LIFE | $369 | $456 | $825 | 6.37% |
| DAVID NEEDHAM | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $190 | — | $190 | 1.47% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $38 | — | $38 | 0.29% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND SHIELD | 250 | $681K |
| Dental | BLUE CROSS, BLUE SHIELD | 230 | $60K |
| Vision | BLUE CROSS BLUE SHIELD | 201 | $18K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $84K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $51K |
| Prescription drug | ARKANSAS BLUE CROSS AND SHIELD | 250 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
No prospect flags tripped on this filing.