| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | P.O. BOX 250 GULFORT, MS 39502 | USABLE LIFE | $42K | $9K | $51K | 11.84% |
| PEW, JAMES3 | 320 W CAPITOL SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $16K | — | $16K | 3.74% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $2K | — | $2K | 0.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST ATT KAREN BAGLEY LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 0.25% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 70821 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $1K | $33K | 10.45% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC.. | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL OF ARKANSAS | $17K | — | $17K | 10.02% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | USABLE LIFE | $3K | $656 | $4K | 12.38% |
| PEW, JAMES3 | 320 WEST CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 4.05% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $134 | — | $134 | 0.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 GAINES LITTLE ROCK, AR 72201 | USABLE LIFE | $103 | — | $103 | 0.31% |
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 | 1,266 | 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) | 1,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 1,269 | $7.5M |
| Dental | DELTA DENTAL OF ARKANSAS | 2,508 | $659K |
| Vision | DELTA DENTAL OF ARKANSAS | 2,119 | $166K |
| Life insurance(2 contracts) | USABLE LIFE | 516 | $463K |
| Short-term disability(2 contracts) | USABLE LIFE | 516 | $463K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 808 | $349K |
| Prescription drug | BLUEADVANTAGE ADMINISTRATORS OF ARKANSAS | 1,269 | $7.0M |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE CO | 1,252 | $575K |
| Other(2 contracts) | USABLE LIFE | 516 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,508 | — |
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.