| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O.BOX 3505 LITTLE ROCK, AR 72203 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $293K | $293K | 3.94% |
| ACRISURE LLC3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $90K | $90K | 1.21% |
| THE HATCHER AGENCY3 | P.O.BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $52K | — | $52K | 10.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $5K | $73K | 26.44% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $4K | $54K | 20.85% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $3K | $36K | 21.53% |
| THE HATCHER AGENCY3 | 310 LOUISIANA LITTLE ROCK, AR 72201 | GUARDIAN | $32K | $7K | $39K | 24.08% |
| THE HATCHER AGENCY3 | P.O.BOX 3505 LITTLE ROCK, AR 72203 | COMPBENEFITS | $21K | — | $21K | 14.79% |
| THE HATCHER AGENCY3 | P.O.BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $80 | $12K | 21.32% |
| GBC BENEFITS LTD3 | 3221 COLLINGSWORTH STREET FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| THE HATCHER AGENCY3 | P.O.BOX 3505 LITTLE ROCK, AR 72203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $10 | $1K | 22.98% |
| GBC BENEFITS LTD3 | 3221 COLLINGSWORTH STREET FT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141 | $0 | $141 | 2.17% |
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 | 1,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,599 | $7.4M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,564 | $524K |
| Vision | COMPBENEFITS | 700 | $145K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $229K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $426K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $446K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.