| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | HCC LIFE INSURANCE COMPANY | $87K | — | $87K | 17.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $29K | — | $29K | 25.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 2.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $15K | 25.93% |
| ASHFORD MID SOUTH LLC3 | 6060 PRIMACY PARKWAY MEMPHIS, TN 38119 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 20.00% |
| DOYCE TALKINGTON4 | 1207 KYNLEE CV BRYANT, AR 72022 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 22.26% |
| CATEY A ABBOTT4 | 601 FREEDOM DR WALNUT RIDGE, AR 72476 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $580 | — | $580 | 15.01% |
| 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 | $165K |
| SOUTHERN SCRIPTS EIN 47-4999303 CONTRACT ADMINISTRATOR | Other services; Contract Administrator Service code 13 | — | $67K |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 515 | $55K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 274 | $82K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 274 | $179K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 274 | $39K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 251 | $512K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.