| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX-EVERETT, INC. | PO BOX 6650 METAIRIE, LA 70009 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 722033505 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| JEHU G BRABHAM3 Filed as: JEHU BRABHAM | 300 CONCOURSE BLVD STE 300 RIDGELAND, MS 39157 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 17.22% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 14.74% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 22.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX-EVERETT, INC | PO BOX 6006 RIDGELAND, MS 391586006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 2.17% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 59.73% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6363 POPLAR AVE SUITE 220 MEMPHIS, TN 38119 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF ARK EIN 71-0226428 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | P.O BOX 3743 LITTLE ROCK, AR 72203 | $128K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 133 | $33K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $142K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $152K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $142K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICAN INSURANCE COMPANY | 184 | $284K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 203 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.