| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SERVICES OF TN | 480 OIL WELL ROAD JACKSON, TN 38305 | DELTA DENTAL PLAN OF ARKANSAS | $57K | — | $57K | 4.09% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SERVICES OF TN | 480 OIL WELL ROAD JACKSON, TN 383057352 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | $9K | $126K | 12.65% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $4K | $70K | 11.75% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $3K | $47K | 11.75% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SERVICES OF TN | 480 OIL WELL ROAD JACKSON, TN 383057352 | VISION SERVICE PLAN | $25K | — | $25K | 10.00% |
| 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 | $15K | — | $15K | 20.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $329 | $5K | 11.75% |
| ORMA R SMITH III3 Filed as: ORMA R. SMITH, III | 3825 CHAMPION HILLS DRIVE SUITE 330 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.09% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $221 | $3K | 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 | $2K | $137 | $2K | 11.75% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $92 | $1K | 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 | $1K | $85 | $1K | 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 | $837 | $57 | $894 | 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 | $794 | $54 | $848 | 11.75% |
| 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 | $1K | — | $1K | 19.49% |
| 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 | $1K | — | $1K | 20.00% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $527 | $36 | $563 | 11.76% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $287 | $20 | $307 | 11.77% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $194 | $13 | $207 | 11.77% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | $4 | $66 | 11.72% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | $3 | $45 | 11.84% |
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 | 2,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 4,123 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,781 | $251K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,313 | $997K |
| Short-term disability(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $679K |
| Long-term disability(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,447 | $458K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,313 | $1.1M |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.