| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | P.O. BOX 251510 LITTLE ROCK, AR 722251510 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 2.48% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD #300 LITTLE ROCK, AR 72227 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 7.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BXS INSURANCE INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | P.O. BOX 251510 LITTLE ROCK, AR 72225 | $19K |
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 | 65 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $603K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $603K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $603K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $57K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $57K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $57K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.