| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 38125 | DELTA DENTAL PLAN OF ARKANSAS | $63K | — | $63K | 7.00% |
| SIMMONS FIRST INSURANCE SERVICES3 | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 381251739 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $7K | $83K | 12.44% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $10K | $57K | 13.64% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 2.85% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $40K | 14.22% |
| SIMMONS FIRST INSURANCE SERVICES3 | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 381251739 | VISION SERVICE PLAN | $19K | — | $19K | 10.00% |
| ORMA R SMITH III3 Filed as: ORMA R. SMITH, III | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 19.94% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 8245 TOURNAMENT DRICE, SUITE 295 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $420 | $420 | 0.48% |
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 | 1,256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,324 | $8.7M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,107 | $898K |
| Vision | VISION SERVICE PLAN | 1,262 | $187K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,236 | $669K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,738 | $421K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,738 | $280K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,324 | $8.7M |
| Other(3 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,236 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,236 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.