| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 251510 LITTLE ROCK, AR 72225 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 3.15% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $5K | — | $5K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 72225 | DELTA DENTAL OF ARKANSAS | $1K | — | $1K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SERVICES INC | 8315 CANTRELL ROAD LITTLE ROCK, AR 722272357 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $861 | — | $861 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BXS INSURANCE INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | P.O. BOX 251510 LITTLE ROCK, AR 72225 | $18K |
| BANCORPSOUTH INSURANCE SERVICES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 8315 CANTRELL ROAD LITTLE ROCK, AR 72227 | $12K |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $568K |
| Dental | DELTA DENTAL OF ARKANSAS | 144 | $50K |
| Vision | DELTA DENTAL OF ARKANSAS | 143 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.