| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SVCS INC | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 8.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 1.60% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $259 | $2K | 2.21% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | $246 | $369 | 0.46% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $439 | $175 | $614 | 1.18% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SVCS INC | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 8.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL PLAN OF ARKANSAS | $547 | — | $547 | 1.42% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC. | P. O. BOX 251510 LITTLE ROCK, AR 72227 | ALLSTATE | $8K | — | $8K | 22.23% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 404 | $112K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 289 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $52K |
| Other | ALLSTATE | 79 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.