| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197K | $0 | $197K | 12.50% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $0 | $97K | 12.25% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | 11.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL RD JACKSON, TN 38305 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 9.19% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL RD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 17.25% |
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 | 2,938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARKANSAS | 19 | $66K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,313 | $351K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,938 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,913 | $789K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,913 | $642K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,260 | $683K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,938 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,313 | — |
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.