| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC. | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $1K | $29K | 10.54% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC. | P.O. BOX 14207 JACKSON, MS 39216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $22K | — | $22K | 9.40% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $8K | — | $8K | 3.51% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $1K | — | $1K | 0.56% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUEE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $79 | — | $79 | 0.03% |
| BANCORP SOUTH INSURANCE3 Filed as: BANCORP SOUTH INSURANCE, INC. | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $14K | — | $14K | 10.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $4K | — | $4K | 4.06% |
| PEW, JAMES3 | 320 WEST CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 1.02% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $182 | — | $182 | 0.17% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $60 | — | $60 | 0.06% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES, IN | P.O. BOX 250 GULFORT, MS 39502 | USABLE LIFE | $9K | — | $9K | 15.00% |
| PEW, JAMES3 | 320 W CAPITOL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $4K | — | $4K | 6.00% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $570 | — | $570 | 0.95% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $644 | — | $644 | 2.06% |
| JAMES PEW3 | 119 RANCH CREEK ROAD CONWAY, AR 72034 | USABLE LIFE | $281 | — | $281 | 0.90% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $43 | — | $43 | 0.14% |
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 | 1,099 | 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) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 2,203 | $542K |
| Vision | DELTA DENTAL OF ARKANSAS | 1,818 | $135K |
| Life insurance(4 contracts) | USABLE LIFE | 503 | $430K |
| Short-term disability(2 contracts) | USABLE LIFE | 343 | $339K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.