Form 5500 · Employee benefit plan · HEBER SPRINGS, AR
SAINT JEAN INDUSTRIES, INC.
The filing calls this plan SAINT JEAN INDUSTRIES INC BENEFIT PLAN.
SAINT JEAN INDUSTRIES, INC. of HEBER SPRINGS, AR is a 385-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL TEXAS, INC.. Coverage is written through ARKANSAS BLUE CROSS AND BLUE SHIELD and 2 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5408618 · plan 501 · plan year 2025, filed Jan 22, 2026
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18 other employer plans in Arkansas have policy years ending in September. 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: death benefits.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with ARKANSAS BLUE CROSS AND BLUE SHIELD, covers 528 people.
Reported premium across the insured contracts is $3,265,116, with $46,428 in disclosed broker commissions — about 1.4% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL TEXAS, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including ARKANSAS BLUE CROSS AND BLUE SHIELD, USABLE LIFE and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. ARKANSAS BLUE CROSS AND BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| USABLE LIFE | Life, Disability | 348 | Oct 1, 2025 | $218,450 | $31,285 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 314 | Oct 1, 2025 | $151,427 | $15,143 |
| ARKANSAS BLUE CROSS AND BLUE SHIELD | Health | 528 | Oct 1, 2025 | $2,895,239 | $0 |
Premium and claims on this contract
ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 028312. For the contract year on this filing, the carrier reported $2,895,239 in premium earned and $3,766,236 in claims incurred. Dividing one by the other gives 130%.
- ARKANSAS BLUE CROSS AND BLUE SHIELD, contract 028312 reported $329,246 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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Renewal calendar
18 other employer plans in Arkansas are October 1 renewals (policy year ends September).
Their policy years end in September, like this plan’s, so most renew October 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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