| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $58K | — | $58K | 10.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $135K | $7K | $142K | 30.17% |
| HAWKINS INSURANCE AGENCY3 | 207 E CHURCH ST MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.03% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $5K | $100K | 31.56% |
| HAWKINS INSURANCE AGENCY3 | 207 E CHURCH ST MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.67% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $252K | — | $252K | 87.32% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $64K | — | $64K | 23.91% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 36.75% |
| HAWKINS INSURANCE AGENCY3 | 207 E CHURCH STREET MORRILTON, AR 72110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 28.51% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 30.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $98 | $11K | 28.01% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -2.77% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 30.00% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 123 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,618 | $582K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 1,336 | $266K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,232 | $513K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $347K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $41K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,232 | $881K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,618 | — |
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."
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.