| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN ROGERS, AR 72756 | HEALTH ADVANTAGE | $7K | $0 | $7K | 3.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $6K | $0 | $6K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE SQUARE, SUITE A SPRINGDALE, AR 72762 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 14.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE SQUARE, SUITE A SPRINGDALE, AR 72762 | DEARBORN NATIONAL LIFE INSURANCE | $1K | $0 | $1K | 10.19% |
| DIANNA S ROBERTSON3 Filed as: DIANNA S. ROBERTSON | 7421 NW 105TH STREET OKLAHOMA CITY, OK 73162 | DEARBORN NATIONAL LIFE INSURANCE | $0 | $1K | $1K | 10.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE SQUARE, SUITE A SPRINGDALE, AR 72762 | USABLE LIFE | $171 | $0 | $171 | 3.25% |
| TIMOTHY CAIN3 | 855 NICHOLAS ROAD SPRINGDALE, AR 72762 | USABLE LIFE | $78 | $0 | $78 | 1.48% |
| KRISTIN HAYES3 | 4019 EAST CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $27 | $0 | $27 | 0.51% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD, SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $21 | $0 | $21 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE SQUARE, SUITE A SPRINGDALE, AR 72762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 33.78% |
| AF SMITH & ASSOCIATES3 Filed as: AF SMITH AND ASSOCIATES | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 1.01% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 37 | $169K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 268 | $57K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 268 | $57K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 128 | $24K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE | 53 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 128 | $19K |
| Prescription drug | HEALTH ADVANTAGE | 37 | $169K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 128 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
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.