| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 9.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $536 | $9K | 15.94% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LTD. | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $348 | $6K | 15.85% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $222 | $4K | 15.96% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $73 | $2K | 15.58% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $633 | $633 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $99 | $2K | 15.88% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $558 | $558 | 5.00% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 100 OTTAWA AVE. SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $991 | — | $991 | 15.00% |
| KAREN WOODWARD | 4026 N. ZION VALLEY DR. FAYETTEVILLE, AR 72703 | USABLE LIFE | $66 | — | $66 | 1.00% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $9 | — | $9 | 0.14% |
| JERRY DUNCAN3 | 516 E. MILLSEP RD. STE 10 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $71K |
| HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | — | $1K |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 262 | $102K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 246 | $20K |
| Life insurance | USABLE LIFE | 171 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $57K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.