| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 D ST FLOOR 6 SAN DIEGO, CA 92101 | DELTA DENTAL OF ARKANSAS | $30K | — | $30K | 9.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $3K | — | $3K | 0.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 6.41% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.91% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.95% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATE | PO BOX 3529 FORT SMITH, AR 72913 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $449 | — | $449 | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.21% |
| NATIONAL BENEFIT CENTER3 | 23835 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.10% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.39% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.69% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD STE A FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATES | 5500 EUPER LANE FORT SMITH, AR 72903 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.59% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $547 | $547 | 3.29% |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 386 | $291K |
| Dental | DELTA DENTAL OF ARKANSAS | 963 | $329K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 339 | $53K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $128K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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.