| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $35K | $35K | 2.91% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 13.46% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.18% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 17900 CHENAL PARKWAY SUITE 100 LITTLE ROCK, AR 72223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| THE HATCHER AGENCY3 | C/O GREGORY HATCHER PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $531 | — | $531 | 7.55% |
| BROKER SOLUTIONS INC3 | C/O GREG L HATCHER 310 LOUISIANNA ST LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $46 | — | $46 | 0.65% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $989 | — | $989 | 20.00% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $467 | — | $467 | 9.44% |
| BARRY ROE3 | 3260 TURTLE HILL COVE CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $333 | — | $333 | 11.13% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | FL 4 2909 13TH STREET GULFPORT, MS 39501 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $296 | — | $296 | 9.89% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 264 | $1.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 230 | $107K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 204 | $22K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $266K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $259K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 264 | $1.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.