Form 5500 · Employee benefit plan · HOT SPRINGS, AR
OUACHITA REGIONAL COUNSELING MENTAL HEALTH CENTER
The filing calls this plan COMMUNITY COUNSELING SVCS INC MEDICAL BENEFIT PLAN.
OUACHITA REGIONAL COUNSELING MENTAL HEALTH CENTER of HOT SPRINGS, AR spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0401764 · plan 501 · plan year 2025, filed Jul 30, 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 111 people.
Reported premium across the insured contracts is $957,607, with $23,557 in disclosed broker commissions — about 2.5% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including ARKANSAS BLUE CROSS AND BLUE SHIELD, SYMETRA LIFE INSURANCE COMPANY, DELTA DENTAL PLAN OF ARKANSAS and STANDARD INSURANCE COMPANY. ARKANSAS BLUE CROSS AND BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health | 42 | Jan 1, 2026 | $19,704 | $12,681 |
| SYMETRA LIFE INSURANCE COMPANY | Life, Disability | 101 | Jan 1, 2026 | $141,369 | $7,068 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 146 | Jan 1, 2026 | $44,576 | $2,580 |
| EYEMED VISION CARE | Vision | 132 | Jan 1, 2026 | $6,757 | $1,228 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 111 | Jan 1, 2026 | $745,201 | $0 |
Premium and claims on these contracts
DELTA DENTAL PLAN OF ARKANSAS, contract 000004508. For the contract year on this filing, the carrier reported $44,576 in premium earned and $33,846 in claims incurred. Dividing one by the other gives 76%.
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029868. For the contract year on this filing, the carrier reported $745,201 in premium earned and $736,066 in claims incurred. Dividing one by the other gives 99%.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000004508 reported $8,150 in retention.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 029868 reported $111,574 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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