| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | QCA HEALTH PLAN | $17K | — | $17K | 2.30% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES INC. | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $13K | 19.21% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURNACE SERVICES, IN | P.O. BOX 251510 LITTLE ROCK, AR 72227 | AMERICAN HERTIAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 73.27% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QCA HEALTH PLAN | 166 | $766K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 170 | $91K |
| Vision | VISION SERVICE PLAN | 136 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $69K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.