| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | HEALTH ADVANTAGE | $30K | — | $30K | 2.45% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34K | $34K | 45.03% |
| BXS INSURANCE INC3 Filed as: BXS INSUARNCE | P.O. BOX 250 GULFPORT, MS 395020250 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2201 FAIR PARK BLVD FLOOR 3 JONESBORO, AR 72401 | DELTAL DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 3.49% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 2201 FAIR PARK BLVD FLOOR 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $0 | — | $0 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $594 | $594 | 17.49% |
| BANCORP SOUTH INSURANCE SERVICES3 | 2804 LONGVIEW DRIVE JONESBORO, AR 72225 | HARTFORD LIFE AND ACCIDENT | $509 | — | $509 | 14.99% |
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) | HEALTH ADVANTAGE | 270 | $1.2M |
| Dental | DELTAL DENTAL PLAN OF ARKANSAS | 129 | $74K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 120 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $76K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $76K |
| Prescription drug | HEALTH ADVANTAGE | 270 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.