| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $26K | $26K | 4.20% |
| BXS INSURANCE INC5 Filed as: CADENCE INSURANCE INC | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $655 | $4K | 7.73% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.79% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2201 FAIR PARK BLVD JONESBORO, AR 72401 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 9.59% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 2201 FAIR PARK BLVD JONESBORO, AR 72401 | DELTA VISION PLAN OF ARKANSAS | $1K | — | $1K | 8.95% |
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) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 151 | $622K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 157 | $52K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 140 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $57K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 151 | $622K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.