| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM KELLY3 | 3100 WEST END AVE NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.50% |
| WILLIAM KELLY3 | 3100 WEST END AVE NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN HILLER INC | 5500 EUPER LN FORT SMITH, AR 72903 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.54% |
| KENNETH ENGSTROM | 3404 MEANDERING CT FORT SMITH, AR 72903 | AFLAC | $2K | $34 | $2K | 4.33% |
| CHRISTOPHER COCKBURN | 1509 6TH TER BARLING, AR 72923 | AFLAC | $765 | $29 | $794 | 1.79% |
| BOBBIE NUNES | PO BOX 326 GREENWOOD, AR 72936 | AFLAC | $366 | $51 | $417 | 0.94% |
| HUMAN RESOURCE ADMIN INC | PO BOX 6040 VAN BUREN, AR 72956 | AFLAC | $369 | — | $369 | 0.83% |
| ROGER MURRAY JOHNSON Filed as: ROGER JOHNSON | 309 HIGHLAND DR ROLAND, OK 74954 | AFLAC | $331 | — | $331 | 0.75% |
| BILLY DALE ELKINS Filed as: BILLY ELKINS | 1024 BOURLAND RD KELLER, TX 76248 | AFLAC | $279 | — | $279 | 0.63% |
| DAVID J MCCLELLAN Filed as: DAVID CIAMPOLI | 109 N PLAZA CT VAN BUREN, AR 72956 | AFLAC | $238 | $23 | $261 | 0.59% |
| SALLY MEAD | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $212 | — | $212 | 0.48% |
| LAWRENCE KAMIEN | 351 ROUNDHILL RD BRANSON, MO 65616 | AFLAC | $199 | — | $199 | 0.45% |
| MICHAEL L HENDERSON Filed as: MICHAEL HENDERSON | PO BOX 1039 CLINTON, AR 72031 | AFLAC | $170 | — | $170 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $166 | — | $166 | 0.37% |
| BRIAN RANK | PO BOX 192 POCOLA, OK 74902 | AFLAC | $127 | — | $127 | 0.29% |
| RONALD BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $125 | — | $125 | 0.28% |
| AUDREY CARTER | 2521 PARK AVE VAN BUREN, AR 72956 | AFLAC | $109 | $10 | $119 | 0.27% |
| TIMOTHY MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $85 | — | $85 | 0.19% |
| CHRISTOPHER L RINK Filed as: CHRISTOPHER RINK | 3411 S 28TH ST FORT SMITH, AR 72901 | AFLAC | $77 | — | $77 | 0.17% |
| JAN WILLIAMS | 21 GREEN HAVEN LN DUNDEE, FL 33838 | AFLAC | $57 | — | $57 | 0.13% |
| DOUGLAS ELMORE | 1930 HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $49 | $7 | $56 | 0.13% |
| AMY GREEN | 715 E 53RD ST SAVANNAH, GA 31405 | AFLAC | $53 | — | $53 | 0.12% |
| TONYA SUE ELMORE Filed as: TONYA ELMORE | 1930 S HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $39 | $6 | $45 | 0.10% |
| RICHARD FALKNER | PO BOX 10884 FORT SMITH, AR 72917 | AFLAC | $43 | — | $43 | 0.10% |
| RHONDA WENBERG | 5 HICKORY CREEK CV LITTLE ROCK, AR 72212 | AFLAC | $43 | — | $43 | 0.10% |
| ANNEKE BOLLMAN ZIEGLER | 810 WOODLAND WAY GREENWOOD, AR 72936 | AFLAC | $35 | — | $35 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $34 | — | $34 | 0.08% |
| AUDREY TOOLEY | 601 N 5TH ST OZARK, AR 72949 | AFLAC | $30 | — | $30 | 0.07% |
| WILLIAM BURNS | 245 COUNTY RD 7822 JONESBORO, AR 72401 | AFLAC | $25 | — | $25 | 0.06% |
| STEPHEN HOWARD | 50 BONITA DR PERRYVILLE, AR 72126 | AFLAC | $22 | — | $22 | 0.05% |
| MICHAEL STANDROD | PO BOX 731 FAYETTEVILLE, AR 72702 | AFLAC | $21 | — | $21 | 0.05% |
| EARL CAULEY JR | 715 WOODKIRK CIR ALMA, AR 72921 | AFLAC | $20 | — | $20 | 0.05% |
| REBECCA BANDY | 513 FALLING WATER CIR BOSSIER CITY, LA 71112 | AFLAC | $20 | — | $20 | 0.05% |
| DAVID J MCCLELLAN Filed as: DAVID AESOPH | 1301 S SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $18 | — | $18 | 0.04% |
| ROBERT POTTER | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $18 | — | $18 | 0.04% |
| KATRINA CHESHIER | 5514 CALLAWAY LN FORT SMITH, AR 72916 | AFLAC | $13 | — | $13 | 0.03% |
| TONYA MOLES | PO BOX 451 DELAWARE, AR 72835 | AFLAC | $13 | — | $13 | 0.03% |
| M ELIZABETH HATFIELD | 5305 W VILLAGE PKWY STE 9 ROGERS, AR 72758 | AFLAC | $12 | — | $12 | 0.03% |
| WILLIAM A BRIGGS Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $11 | — | $11 | 0.02% |
| RONNIE N FURMAN Filed as: RONNIE FURMAN | 3025 N 26TH ST FORT SMITH, AR 72904 | AFLAC | $11 | — | $11 | 0.02% |
| TESSIE P CANTRELLE Filed as: TESSIE CANTRELLE | 1340 WEST TUNNEL BLVD STE 650 HOUMA, LA 70360 | AFLAC | $9 | — | $9 | 0.02% |
| SHERON HARP | 2816 N THOMPSON ST SPRINGDALE, AR 72764 | AFLAC | $7 | — | $7 | 0.02% |
| CHAD JENKINS | 925 DOGWOOD CT HARRISON, AR 72601 | AFLAC | $6 | — | $6 | 0.01% |
| BYRON KEITH BURRELL Filed as: BYRON BURRELL | 2330 QUATTLEBAUM CV CONWAY, AR 72034 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES L CHANCELLOR Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH COLLINS JR | PO BOX 17381 JONESBORO, AR 72403 | AFLAC | $4 | — | $4 | 0.01% |
| CHERISE WISE | 4003 NE 23RD PL CAPE CORAL, FL 33909 | AFLAC | $3 | — | $3 | 0.01% |
| ANDREA STEPHENS | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $3 | — | $3 | 0.01% |
| REBECCA LYNN CARTER Filed as: REBECCA CARTER | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL WILLIAMS | PO BOX 10715 FORT SMITH, AR 72917 | AFLAC | — | — | $0 | 0.00% |
| KITTY RYAN | 767 N MAIN ST MULBERRY, AR 72947 | AFLAC | — | — | $0 | 0.00% |
| WILLIAM D WENBERG Filed as: WILLIAM WENBERG | 13024 STACY LN LITTLE ROCK, AR 72211 | AFLAC | — | — | $0 | 0.00% |
| LANA A ELKINS Filed as: LANA ELKINS | 1024 BOURLAND RD KELLER, TX 76248 | AFLAC | — | — | $0 | 0.00% |
| KATHY STEVENS | 2606 S 15TH PL ROGERS, AR 72758 | AFLAC | — | — | $0 | 0.00% |
| DOUGLAS ELMORE | 1930 S HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | — | — | $0 | 0.00% |
| VIRGINIA BALLARD | 157 GREYSTONE RD MOUNTAIN HOME, AR 72653 | AFLAC | — | — | $0 | 0.00% |
| ELIZABETH JENKINS | 4215 N CHRYSLER DR APT 6 FAYETTEVILLE, AR 72703 | AFLAC | — | — | $0 | 0.00% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $416K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $416K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $416K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $416K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $241K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 729 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.