| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | P.O. BOX 251510 LITTLE ROCK, AR 722251510 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 2.12% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 2.48% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $335 | — | $335 | 0.51% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $834 | — | $834 | 7.12% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5564 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $283 | — | $283 | 2.42% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $275 | — | $275 | 15.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $182 | — | $182 | 15.02% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $801K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 197 | $66K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 125 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $801K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.