| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS POINTE INSURANCE ADVISORS LLC3 Filed as: CROSS POINTE INSURANCE ADVISORS, LL | 1120 GARRISON AVENUE FORT SMITH, AR 72901 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $4K | — | $4K | 9.98% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INSURANCE ADVISORS LLC | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.46% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INSURANCE ADVISORS LLC | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $869 | $5K | 18.46% |
| CROSS POINT INS ADVISORS LLC3 Filed as: CROSS POINT INSURANCE ADVISORS LLC | PO BOX 369 ARDMORE, OK 73402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $261 | $1K | 18.32% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 134 | $448K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 109 | $36K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 89 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $8K |
| Prescription drug | HEALTH ADVANTAGE | 134 | $448K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.