| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | TOKIO MARINE | $43K | — | $43K | 9.99% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $39K | — | $39K | 19.89% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | $3K | $5K | 6.16% |
| JAMES PEW | 320 W. CAPITOL, SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $874 | — | $874 | 1.13% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $142 | — | $142 | 0.18% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72216 | USABLE LIFE | $20 | — | $20 | 0.03% |
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE CO. | $13K | $907 | $14K | 26.75% |
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | GUARDIAN | $10K | $3K | $13K | 26.64% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL | $8K | — | $8K | 20.00% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 43916 | USABLE LIFE | $706 | $2K | $2K | 6.28% |
| JAMES PEW | 320 W. CAPITOL, SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $395 | — | $395 | 1.09% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $68 | — | $68 | 0.19% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72216 | USABLE LIFE | $5 | — | $5 | 0.01% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 43916 | USABLE LIFE | $5K | $1K | $7K | 19.24% |
| JAMES PEW | 320 W. CAPITOL, SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 5.00% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $264 | — | $264 | 0.76% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72216 | USABLE LIFE | $23 | — | $23 | 0.07% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | USABLE LIFE | $4K | $1K | $5K | 14.74% |
| JAMES PEW | 320 W. CAPITOL, SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $783 | — | $783 | 2.34% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $140 | — | $140 | 0.42% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72216 | USABLE LIFE | $5 | — | $5 | 0.01% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 43916 | USABLE LIFE | $4K | $1K | $6K | 19.46% |
| JAMES PEW | 320 W. CAPITOL, SUITE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 5.00% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $225 | — | $225 | 0.76% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72216 | USABLE LIFE | $22 | — | $22 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $263K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | — | $121K |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 712 | $195K |
| Vision | DELTA DENTAL | 649 | $42K |
| Life insurance | USABLE LIFE | 359 | $36K |
| Short-term disability | USABLE LIFE | 512 | $77K |
| Long-term disability(2 contracts) | USABLE LIFE | 114 | $68K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 408 | $430K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE CO. | 359 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.