| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | PO BOX 3529 FORT SMITH, AR 72913 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 13.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 7.79% |
| BHC NEXT, LLC3 Filed as: BHC NEXT LLC | PO BOX 3529 FORT SMITH, AR 72913 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.07% |
| RIAN MICHELLE BAKER3 | 308 N BATTLE ST PRAIRIE GROVE, AR 72753 | UNITEDHEALTHCARE INSURANCE COMPANY | $624 | — | $624 | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 12.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.74% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.75% |
| BHC NEXT, LLC3 | 5500 EUPER LN FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 1626 EMPIRE ST., STE. 201 LOWELL, AR 72745 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 7.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF ARKANSAS | $404 | — | $404 | 2.80% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $91K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 157 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $71K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.