| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 746567 SAINT PETERSBURG, FL 33716 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 12.50% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTNS, LLC | UNKNOWN BOSTON, MA 02108 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 EAST SPYGLASS HILL DRIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 19.59% |
| KYLE HARDING3 | 314 HARDING ROAD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $568 | $2K | 5.00% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $540 | $975 | $2K | 3.79% |
| TAMMY S. BOOTH AND OTHER AGENTS3 | 329 HICKORY STREET MAUD, TX 75567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $628 | $69 | $697 | 1.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $505 | $90 | $595 | 1.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICE, INC. | 5540 BLEAUX AVENUE SPRINGDALE, AR 72762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $49 | $289 | 0.72% |
| AMY ULERY MCFADDEN3 | 5852 WEST KENNEDY FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.58% |
| BARRY ROE4 | 3260 TURTLE HILL CV CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $229 | — | $229 | 8.90% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 746567 ATLANTA, GA 30374 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $216 | — | $216 | 8.39% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 168 | $106K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 168 | $106K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 168 | $106K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 66 | $40K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 168 | $106K |
| Other(4 contracts, 4 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 179 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.