| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE INC. | P.O. BOX 251510 LITTLE ROCK, AR 72225 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $35K | $37K | 3.08% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC LITTLE ROCK | 200 GALLARIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $25K | $27K | 2.27% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES, IN | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 1.91% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: DIGITAL INSUARNCE, INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 1.09% |
| BANCROPSOUTH INSURANCE SERVICES, IN3 | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 6.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF ARKANSAS | $763 | — | $763 | 3.66% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE | 8315 CANTRELL RD STE 200 LITTLE ROCK, AR 72227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $104 | $1K | 10.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $559 | — | $559 | 5.30% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 468 | $97K |
| Vision | DELTA DENTAL OF ARKANSAS | 438 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $11K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.