| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $641 | $641 | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $318 | $2K | 23.10% |
| ASHFORD MID SOUTH LLC3 Filed as: ASHFORD MID SOUTH, LLC | 6363 POPLAR AVENUE, SUITE 200 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL PLAN OF ARKANSAS | $981 | $0 | $981 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 9.54% |
| ALBERT SMITH3 | 72 VILLAS CIRCLE LITTLE ROCK, AR 72223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.64% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $616K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $616K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 102 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $616K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $616K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $628K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.