| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NA3 | NA NA, AR 00000 | BCBS | $27K | — | $27K | 2.39% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2201 FAIR PARK BLVD FLOOR 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8315 CANTRELL SUITE 300 LITTLE ROCK, AR 72227 | DELTA DENTAL PLAN OF ARKANSAS | $35 | — | $35 | 0.06% |
| BXS INSURANCE INC3 Filed as: CADENCEINSURANCEINC | PO BOX 250 GULFPORT, MS 39502 | METROPOLITAN LIFE INSURANCE COMPANY | $940 | $159 | $1K | 25.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $110 | $5 | $115 | 2.64% |
| BXS INSURANCE INC3 Filed as: CADENCEINSURANCEINC | PO BOX 250 GULFPORT, MS 39502 | METROPOLITAN LIFE INSURANCE COMPANY | $576 | $124 | $700 | 24.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $101 | $5 | $106 | 3.71% |
| BXS INSURANCE INC3 Filed as: CADENCEINSURANCEINC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 70809 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $967 | $4K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $467 | $47 | $514 | — |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BCBS | 160 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 177 | $57K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 176 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 41 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 41 | $0 |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.