| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 9.39% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 5.56% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | P.O. BOX 250 GULFPORT, MS 395020250 | METROPOLITAN LIFE INSURANCE COMPANY | $149 | — | $149 | 0.05% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 3.31% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 1.59% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.16% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICE | P.O. BOX 251510 LITTLE ROCK, AR 722251510 | METROPOLITAN LIFE INSURANCE COMPANY | $988 | — | $988 | 2.98% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 17900 CHENAL PKWY STE 100 LITTLE ROCK, AR 72222 | METROPOLITAN LIFE INSURANCE COMPANY | $747 | — | $747 | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $607K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $222K |
| STEPHENS INSURANCE LLC EIN 20-5068534 BROKER | Other commissions Service code 55 | 111 CENTER ST LITTLE ROCK, AR 72201 | $41K |
| CADENCE INSURANCE INC EIN 72-1381997 BROKER | Other commissions Service code 55 | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | $13K |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 457 | $144K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 808 | $326K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 808 | $326K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 808 | $326K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $695K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 808 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.