Form 5500 · Employee benefit plan · JONESBORO, AR
MIRACLE KIDS SUCCESS ACADEMY, INC.
The filing calls this plan MIRACLE KIDS SUCCESS ACADEMY, INC. BENEFIT PLAN.
MIRACLE KIDS SUCCESS ACADEMY, INC. of JONESBORO, AR files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is SUNSTAR INSURANCE GROUP. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 80-0237083 · plan 502 · plan year 2025, filed Mar 10, 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: 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 4 insured contracts covering health, dental, vision, life and disability; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 202 people.
Reported premium across the insured contracts is $883,239, with $23,823 in disclosed broker commissions — about 2.7% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
SUNSTAR INSURANCE GROUP is the broker of record on all 4 contracts.
Two carriers split the book: ARKANSAS BLUE CROSS AND BLUE SHIELD and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health, Life, Disability | 168 | Apr 1, 2025 | $90,727 | $13,619 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Dental | 245 | Apr 1, 2025 | $81,331 | $8,130 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Vision | 215 | Apr 1, 2025 | $20,747 | $2,074 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 202 | Apr 1, 2025 | $690,434 | $0 |
Premium and claims on these contracts
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 0027563. For the contract year on this filing, the carrier reported $81,331 in premium earned and $52,449 in claims incurred. Dividing one by the other gives 64%.
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029272. For the contract year on this filing, the carrier reported $690,434 in premium earned and $771,475 in claims incurred. Dividing one by the other gives 112%.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 0027563 reported $20,766 in retention.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029272 reported $93,872 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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