Form 5500 · Employee benefit plan · LITTLE ROCK, AR
CENTERS FOR YOUTH & FAMILIES
The filing calls this plan CENTERS FOR YOUTH & FAMILIES HEALTH AND WELFARE BENEFITS PLAN.
Public Form 5500 records show how CENTERS FOR YOUTH & FAMILIES of LITTLE ROCK, AR, a health care and social assistance employer, structures its employee benefits. Its broker of record is THE HATCHER AGENCY. Coverage is written through QCA HEALTH PLAN and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0415350 · plan 504 · plan year 2024, filed Oct 15, 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: death benefits, 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with QCA HEALTH PLAN, covers 271 people.
Reported premium across the insured contracts is $1,998,080, with $140,441 in disclosed broker commissions — about 7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
THE HATCHER AGENCY is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including QCA HEALTH PLAN, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA, DELTA DENTAL PLAN OF ARKANSAS and 5STAR LIFE INSURANCE COMPANY. QCA HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| QCA HEALTH PLAN | Health | 271 | Jan 1, 2025 | $1,671,920 | $83,717 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 162 | Jan 1, 2025 | $130,379 | $30,153 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 268 | Jan 1, 2025 | $114,442 | $10,442 |
| DELTA DENTAL PLAN OF ARKANSAS | Vision | 242 | Jan 1, 2025 | $23,905 | $4,409 |
| 5STAR LIFE INSURANCE COMPANY | Life | 59 | Jan 1, 2025 | $26,851 | $4,128 |
| MANHATTANLIFE ASSURANCE CO OF AMERICA | — | 55 | Jan 1, 2025 | $11,516 | $2,821 |
| MANHATTANLIFE ASSURANCE CO OF AMERICA | Disability | 54 | Jan 1, 2025 | $10,963 | $2,687 |
| MANHATTANLIFE ASSURANCE CO OF AMERICA | — | 19 | Jan 1, 2025 | $6,235 | $1,527 |
| LEGALSHIELD | — | 7 | Jan 1, 2025 | $1,869 | $557 |
Premium and claims on these contracts
DELTA DENTAL PLAN OF ARKANSAS, contract 000003666. For the contract year on this filing, the carrier reported $114,442 in premium earned and $69,758 in claims incurred. Dividing one by the other gives 61%.
DELTA DENTAL PLAN OF ARKANSAS, contract 00003666V. For the contract year on this filing, the carrier reported $23,905 in premium earned and $13,391 in claims incurred. Dividing one by the other gives 56%.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000003666 reported $10,442 in retention.
- DELTA DENTAL PLAN OF ARKANSAS, contract 00003666V reported $4,409 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
How this plan compares
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