Form 5500 · Employee benefit plan · LITTLE ROCK, AR
ARKANSAS CARDIOLOGY, P.A.
The filing calls this plan ARKANSAS CARDIOLOGY, P.A. WELFARE PLAN.
ARKANSAS CARDIOLOGY, P.A. of LITTLE ROCK, AR files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CADENCE INSURANCE. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0481172 · plan 502 · plan year 2024, filed Jul 21, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: prepaid legal, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 8 insured contracts covering health, dental, vision, life and disability; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 269 people.
Reported premium across the insured contracts is $1,988,206, with $52,626 in disclosed broker commissions — about 2.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
CADENCE INSURANCE is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including ARKANSAS BLUE CROSS AND BLUE SHIELD, RELIANCE MATRIX, DELTA DENTAL PLAN OF ARKANSAS and SUN LIFE ASSURANCE COMPANY OF CANADA. ARKANSAS BLUE CROSS AND BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE MATRIX | Life, Disability | 183 | Jan 1, 2025 | $217,743 | $29,282 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 305 | Jan 1, 2025 | $111,440 | $10,134 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 174 | Feb 29, 2024 | $43,804 | $6,053 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 42 | Jan 1, 2025 | $18,857 | $3,771 |
| DELTA DENTAL PLAN OF ARKANSAS | Vision | 276 | Jan 1, 2025 | $23,097 | $2,109 |
| MEDICAL AIR SERVICES ASSOCIATION, INC. | — | 48 | Jan 1, 2025 | $4,257 | $851 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 27 | Jan 1, 2025 | $3,423 | $426 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 269 | Jan 1, 2025 | $1,565,585 | $0 |
Premium and claims on these contracts
DELTA DENTAL PLAN OF ARKANSAS, contract 000002618. For the contract year on this filing, the carrier reported $111,440 in premium earned and $73,054 in claims incurred. Dividing one by the other gives 66%.
DELTA DENTAL PLAN OF ARKANSAS, contract 2618V. For the contract year on this filing, the carrier reported $23,097 in premium earned and $17,421 in claims incurred. Dividing one by the other gives 75%.
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029628. For the contract year on this filing, the carrier reported $1,565,585 in premium earned and $2,278,216 in claims incurred. Dividing one by the other gives 146%.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000002618 reported $10,134 in retention.
- DELTA DENTAL PLAN OF ARKANSAS, contract 2618V reported $2,109 in retention.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029628 reported $208,717 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Other plans filed by this employer
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