| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN OF ARKANSAS | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | DELTA DENTAL OF ARKANSAS | $27K | — | $27K | 9.91% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF ARKANSAS | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF ARKANSAS | 2120 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | SUPERIOR VISION - GUARDIAN LIFE | $5K | — | $5K | 10.17% |
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 | 543 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 543 | $4.0M |
| Dental | DELTA DENTAL OF ARKANSAS | 604 | $270K |
| Vision | SUPERIOR VISION - GUARDIAN LIFE | 584 | $51K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 725 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.