| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DR STE 200 LITTLE ROCK, AR 72202 | UNITEDHEALTHCARE INSURANCE COMPANY | $988 | $22K | $23K | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 2120 RIVERFRONT DR STE 200 LITTLE ROCK, AA 72202 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PLACE SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PLACE SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $622 | $3K | 18.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PLACE SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $515 | $2K | 19.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE SPRINGDALE, AA 72762 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARKANSAS INC | 1479 EXECUTIVE PLACE SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $860 | $360 | $1K | 14.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARKANSAS, INC | 1479 EXECUTIVE PLACE SUITE A SPRINGDALE, AR 72762 | TRANSAMERICA LIFE INSURANCE COMPANY | $739 | — | $739 | 12.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $38 | — | $38 | 0.67% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $611K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 166 | $52K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $11K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.