Form 5500 · Employee benefit plan · LITTLE ROCK, AR
DILLARD'S, INC.
The filing calls this plan DILLARD'S FLEXIBLE BENEFIT PLAN.
DILLARD'S, INC. of LITTLE ROCK, AR is a 12,335-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BENEFIT COMMUNICATIONS INC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0388071 · plan 505 · plan year 2025, filed Mar 13, 2026
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22 other employer plans in Arkansas have policy years ending in May. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 22,172 people.
Reported premium across the insured contracts is $14,106,186, with $1,449,823 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
BENEFIT COMMUNICATIONS INC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, CONTINENTAL AMERICAN INSURANCE COMPANY, EYEMED VISION CARE and COMBINED INSURANCE COMPANY. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Health | 6,318 | Jun 1, 2025 | $4,185,704 | $876,731 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Dental, Life, Disability | 22,172 | Jun 1, 2025 | $7,690,310 | $501,699 |
| EYEMED VISION CARE | Vision | 13,637 | Jun 1, 2025 | $1,181,035 | $44,917 |
| COMBINED INSURANCE COMPANY | Health | 1,451 | Jun 1, 2025 | $517,442 | $25,162 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 128 | Jun 1, 2025 | $55,050 | $1,314 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 46 | Jun 1, 2025 | $476,645 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 50022. For the contract year on this filing, the carrier reported $476,645 in premium earned and $700,876 in claims incurred. Dividing one by the other gives 147%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 50022 reported $52,145 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
22 other employer plans in Arkansas are June 1 renewals (policy year ends May).
Their policy years end in May, like this plan’s, so most renew June 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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