| 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 | $63K | — | $63K | 4.31% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SERVICES OF TN | 480 OIL WELL ROAD JACKSON, TN 383057352 | METROPOLITAN LIFE INSURANCE COMPANY | $134K | $420 | $135K | 12.04% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | — | $86K | 12.25% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 11.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SERVICES OF TN | 480 OIL WELL ROAD JACKSON, TN 383057352 | VISION SERVICE PLAN | $32K | — | $32K | 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 | $24K | — | $24K | 20.03% |
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 | 3,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 4,198 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,836 | $315K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,368 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,582 | $701K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,583 | $473K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,368 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,368 | — |
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.