Form 5500 · Employee benefit plan · ROGERS, AR
OZARK EMPIRE DISTRIBUTORS, INC. DBA HARRIS BAKING COMPANY
The filing calls this plan HARRIS BAKING EMPLOYEE BENEFITS PLAN.
OZARK EMPIRE DISTRIBUTORS, INC. DBA HARRIS BAKING COMPANY of ROGERS, AR files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is STEPHENS INSURANCE. Coverage is written through QCA HEALTH PLAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0335481 · plan 501 · plan year 2025, filed Jul 15, 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.
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 QCA HEALTH PLAN, covers 171 people.
Reported premium across the insured contracts is $1,431,822, with $50,256 in disclosed broker commissions — about 3.5% 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.
STEPHENS INSURANCE is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including QCA HEALTH PLAN, DELTA DENTAL PLAN OF ARKANSAS, UNITED OF OMAHA LIFE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY. QCA HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| QCA HEALTH PLAN | Health | 171 | Jan 1, 2026 | $1,287,525 | $32,171 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 157 | Jan 1, 2026 | $62,121 | $8,919 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 196 | Jan 1, 2026 | $64,251 | $7,511 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 238 | Jan 1, 2026 | $17,925 | $1,655 |
Premium and claims on this contract
DELTA DENTAL PLAN OF ARKANSAS, contract 000006210. For the contract year on this filing, the carrier reported $64,251 in premium earned and $46,376 in claims incurred. Dividing one by the other gives 72%.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000006210 reported $0 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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