| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $15K | $55K | 13.82% |
| 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 OF ARKANSAS | $20K | $0 | $20K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | TRANSAMERICA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 33.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 11220 ASSETT LOOP, SUTIE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $653 | $0 | $653 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARKANSAS, INC. | 1479 EXECUTIVE PLACE, SUITE A SPRINGDALE, AR 72762 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 16.88% |
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 | 1,077 | 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) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 783 | $339K |
| Dental | DELTA DENTAL OF ARKANSAS | 1,472 | $369K |
| Vision | VISION SERVICE PLAN | 838 | $95K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 691 | $398K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 691 | $398K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 691 | $398K |
| Prescription drug(2 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 783 | $339K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,945 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,945 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.