| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.74% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, IL 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 7.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $152 | $0 | $152 | 0.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 EAST SPYGLASS HILL DRIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 25.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AR 72762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 13.32% |
| AMY ULERY MCFADDEN3 | 5852 WEST KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $789 | $70 | $859 | 4.51% |
| KYLE HARDING3 | 314 HARDING ROAD NASHVILLE, AR 71852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $23 | $431 | 2.26% |
| MCFADDEN BENEFIT MANAGEMENT INC3 Filed as: MCFADDEN BENEFIT MANAGEMENT, INC. | 5852 WEST KENNEDY DRIVE FAYETTEVILLE, AR 72704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 1.52% |
| TAMMY S BOOTH3 Filed as: TAMMY S. BOOTH | 329 HICKORY STREET MAUD, TX 75567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.16% |
| MJ INSURANCE3 Filed as: TANA L. MAY AND VARIOUS AGENTS | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $5 | $27 | 0.14% |
| BARRY ROE4 | 3260 TURTLE HILL COVE CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | $0 | $130 | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | PO BOX 746567 ATLANTA, GA 30374 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $109 | $0 | $109 | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 901 NORTH 47TH STREET, SUITE 303 ROGERS, AR 72756 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 1.83% |
| ALBERT SMITH4 | 185 VILLAS HEIGHTS DRIVE LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 1.13% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS | 183 | $611K |
| Dental | ARKANSAS BLUE CROSS | 183 | $611K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $94K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 52 | $19K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $94K |
| Prescription drug | ARKANSAS BLUE CROSS | 183 | $611K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.