| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BXS INSURANCE, INC. | 2201 FAIR PARK BLVD FL 3 JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $4K | $0 | $4K | 5.04% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE KNOXVILLE, TN 37922 | DELTA DENTAL PLAN OF ARKANSAS | $3K | $0 | $3K | 5.00% |
| BXS INSURANCE INC3 Filed as: BXS INSURANCE | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $203 | $3K | 6.47% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.27% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 267 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 246 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $47K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 267 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.