Form 5500 · Employee benefit plan · HOT SPRINGS, AR
OAKLAWN JOCKEY CLUB, INC.
The filing calls this plan OAKLAWN JOCKEY CLUB HEALTH AND WELFARE BENEFITS PLAN.
OAKLAWN JOCKEY CLUB, INC. of HOT SPRINGS, AR insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0439895 · plan 505 · plan year 2025, filed Jul 22, 2026
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355 other employer plans in Arkansas have policy years ending in December. 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 506 people.
Reported premium across the insured contracts is $4,562,846, with $62,593 in disclosed broker commissions — about 1.4% 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.
MERCER HEALTH & BENEFITS LLC is the broker of record on 4 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including ARKANSAS BLUE CROSS AND BLUE SHIELD, LIFE INSURANCE COMPANY OF NORTH AMERICA, RELIASTAR LIFE INSURANCE COMPANY and CURALINC LLC. ARKANSAS BLUE CROSS AND BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 117 | Jan 1, 2026 | $87,445 | $18,092 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 167 | Jan 1, 2026 | $86,823 | $17,961 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 86 | Jan 1, 2026 | $65,360 | $13,517 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 177 | Jan 1, 2026 | $48,135 | $12,325 |
| CURALINC LLC | — | 513 | Jan 1, 2026 | $11,855 | $698 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 506 | Jan 1, 2026 | $4,144,797 | $0 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Dental | 192 | Jan 1, 2026 | $67,114 | $0 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Vision | 454 | Jan 1, 2026 | $51,317 | $0 |
Premium and claims on these contracts
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 024318. For the contract year on this filing, the carrier reported $4,144,797 in premium earned and $3,277,604 in claims incurred. Dividing one by the other gives 79%.
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 027056. For the contract year on this filing, the carrier reported $67,114 in premium earned and $50,069 in claims incurred. Dividing one by the other gives 75%.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 024318 reported $617,602 in retention.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 027056 reported $16,628 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
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Renewal calendar
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