| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 8.23% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.08% |
| 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 | $7K | $0 | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DRIVE, SUITE 200 LITTLE ROCK, MA 72202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 23.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CALIFORNIA, INC | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.91% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $974 | $0 | $974 | 3.75% |
| ASHFORD MID SOUTH LLC3 Filed as: ASHFORD MID SOUTH, LLC | UNKNOWN BERRYVILLE, AR 72616 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 0.20% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 239 | $67K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $77K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $77K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.