Form 5500 · Employee benefit plan · FORT SMITH, AR
ORR MOTORS OF FORT SMITH
The filing calls this plan ORR MOTORS OF FORT SMITH EMPLOYEE BENEFITS PLAN.
ORR MOTORS OF FORT SMITH of FORT SMITH, AR spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DAINES INSURANCE. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 2 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-1803535 · plan 501 · plan year 2025, filed May 13, 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
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.
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 and life; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 242 people.
Reported premium across the insured contracts is $1,302,096, with $40,944 in disclosed broker commissions — about 3.1% 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.
DAINES INSURANCE is the broker of record on all 4 contracts.
3 carriers appear on the filing, including ARKANSAS BLUE CROSS AND BLUE SHIELD, DELTA DENTAL PLAN OF ARKANSAS and USABLE LIFE. ARKANSAS BLUE CROSS AND BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 242 | Nov 1, 2025 | $1,159,459 | $22,961 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 255 | Nov 1, 2025 | $91,130 | $9,179 |
| USABLE LIFE | Life | 224 | Nov 1, 2025 | $36,966 | $7,351 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Vision | 232 | Nov 1, 2025 | $14,541 | $1,453 |
Premium and claims on these contracts
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029481. For the contract year on this filing, the carrier reported $1,159,459 in premium earned and $1,529,127 in claims incurred. Dividing one by the other gives 132%.
DELTA DENTAL PLAN OF ARKANSAS, contract 000006433. For the contract year on this filing, the carrier reported $91,130 in premium earned and $57,804 in claims incurred. Dividing one by the other gives 63%.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029481 reported $185,863 in retention.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000006433 reported $9,179 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.
How this plan compares
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