Form 5500 · Employee benefit plan · HOT SPRINGS, AR
COMMUNITY SERVICES OFFICE, INC.
The filing calls this plan COMMUNITY SERVICES OFFICE, INC. EMPLOYEE BENEFITS PLAN.
COMMUNITY SERVICES OFFICE, INC. of HOT SPRINGS, AR files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is JOHN D GRANT. Coverage is written through HEALTH ADVANTAGE and 3 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0389282 · plan 501 · plan year 2025, filed May 8, 2026
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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: 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.
Reported premium across the insured contracts is $532,535, with $23,123 in disclosed broker commissions — about 4.3% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
JOHN D GRANT is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HEALTH ADVANTAGE, USABLE LIFE, ARKANSAS BLUE CROSS AND BLUE SHIELD and VISION SERVICE PLAN. HEALTH ADVANTAGE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH ADVANTAGE | Health | 26 | Nov 1, 2025 | $397,384 | $8,050 |
| USABLE LIFE | Disability | 136 | Nov 1, 2025 | $46,538 | $4,757 |
| USABLE LIFE | Life | 136 | Nov 1, 2025 | $37,643 | $3,873 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Dental | 50 | Nov 1, 2025 | $31,096 | $3,102 |
| USABLE LIFE | Life | 67 | Nov 1, 2025 | $6,942 | $1,412 |
| USABLE LIFE | Disability | 10 | Nov 1, 2025 | $5,308 | $1,071 |
| VISION SERVICE PLAN | Vision | 47 | Nov 1, 2025 | $6,708 | $670 |
| USABLE LIFE | — | 26 | Nov 1, 2025 | $916 | $188 |
Premium and claims on these contracts
HEALTH ADVANTAGE, contract 773059. For the contract year on this filing, the carrier reported $397,384 in premium earned and $362,482 in claims incurred. Dividing one by the other gives 91%.
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 017698. For the contract year on this filing, the carrier reported $31,096 in premium earned and $17,181 in claims incurred. Dividing one by the other gives 55%.
- HEALTH ADVANTAGE, contract 773059 reported $137,815 in retention.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 017698 reported $11,434 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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