| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $15K | — | $15K | 10.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 24.33% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 12.04% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $816 | $10K | 21.96% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 89.68% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 24.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 30.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 30.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $949 | — | $949 | 29.98% |
| HAWKINS INSURANCE AGENCY3 | 207 EAST CHURCH STREET MORRILTON, AR 72110 | ALLSTATE BENEFITS | $713 | — | $713 | 43.72% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AL 72212 | ALLSTATE BENEFITS | $59 | — | $59 | 3.62% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $223 | — | $223 | 30.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 248 | $146K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 201 | $39K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $117K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $98K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.