| 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 | $22K | — | $22K | 7.00% |
| SIMMONS FIRST INSURANCE SERVICES3 | 8245 TOURNAMENT DRIVE, SUITE 295 MEMPHIS, TN 381251739 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $1K | $28K | 12.77% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 11.75% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $748 | $12K | 11.75% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 383057352 | VISION SERVICE PLAN | $6K | — | $6K | 10.06% |
| ORMA R SMITH III3 Filed as: ORMA R. SMITH, III | 3725 CHAMPION HILLS DRIVE SUITE 330 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.05% |
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 | 2,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,356 | $3.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 3,140 | $314K |
| Vision | VISION SERVICE PLAN | 1,286 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,238 | $220K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,754 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,754 | $100K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,356 | $3.1M |
| Other(3 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,238 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,238 | — |
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."
No prospect flags tripped on this filing.