| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC Filed as: BXS INSURANCE INC. | 2201 FAIR PARK BLVD FL3 JONESBORO, MS 72401 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 4.53% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 2201 FAIR PARK BLVD FL3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 10.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | 8315 CANTRELL RD. STE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | $729 | $24K | $24K | 248.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $82K |
| BXI INSURANCE, INC. EIN 72-1381997 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $57K |
| AETNA PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $40K |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 655 | $197K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 523 | $36K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $10K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $10K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.