| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 8315 CANTRELL ROAD SUITE 300 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 17.84% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES, IN | 8315 CANTRELL ROAD STE 300 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| UNKONOWN3 | — | ARKANSAS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 5.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | P.O. BOX 251510 LITTLE ROCK, AR 72227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 27.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $110K |
| BXS INSURANCE EIN 72-1381997 BROKER | Other commissions Service code 55 | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | $36K |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 125 | $61K |
| Dental | ARKANSAS BLUE CROSS BLUE SHIELD | 352 | $82K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 276 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $127K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $188K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $127K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 162 | $160K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.