| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICES OF | TN 480 OIL WELL RD JACKSON, TN 383057352 | HEALTH ADVANTAGE | — | $50K | $50K | 4.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICES OF | TN 480 OIL WELL ROAD JACKSON, TN 383057352 | HEALTH ADVANTAGE | $0 | $23K | $23K | 4.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICE | 11700 CANTRELL ROAD LITTLE ROCK, AR 72223 | GUARDIAN | $13K | $0 | $13K | 15.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICES OF | TN LLC 480 OIL WELL RD JACKSON, TN 383057352 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH ADVANTAGE | 79 | $1.8M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 210 | $55K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 290 | $15K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 41,109 | $88K |
| Short-term disability | GUARDIAN | 41,109 | $88K |
| Prescription drug(2 contracts) | HEALTH ADVANTAGE | 79 | $1.8M |
| Other | GUARDIAN | 41,109 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,109 | — |
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."
No prospect flags tripped on this filing.