| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $76K | $27K | $103K | 18.75% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115K | $1K | $116K | 30.28% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48K | $48K | 12.40% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106K | $923 | $107K | 30.26% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44K | $44K | 12.40% |
| ACRISURE LLC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $4K | $60K | 21.56% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $43K | — | $43K | 20.04% |
| BROKER SOLUTIONS INC3 | C/O GREG L HATCHER 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $11K | — | $11K | 5.04% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $34K | $9K | $44K | 23.13% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $202 | $24K | 30.26% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 12.40% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $170 | $17K | 25.26% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 12.40% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $392 | $11K | 29.70% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $73 | $8K | 30.29% |
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 | 1,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,018 | $550K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 1,783 | $190K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 699 | $627K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $355K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $145K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 1,191 | $616K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 699 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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.