| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $570 | $10K | 15.91% |
| 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 | $7K | $407 | $7K | 15.94% |
| 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 | $4K | $232 | $4K | 15.91% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR. URBANVILLE, 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 | $112 | $2K | 15.78% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $719 | $719 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $127 | $2K | 15.95% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR. URBANVILLE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $668 | $668 | 5.00% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $1K | — | $1K | 15.01% |
| KAREN WOODWARD | 4026 N. ZION VALLEY DR. FAYETTEVILLE, AR 72703 | USABLE LIFE | $74 | — | $74 | 1.00% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $10 | — | $10 | 0.13% |
| JERRY DUNCAN3 | 516 E. MILLSEP RD. STE 10 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $81K |
| 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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 298 | $105K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 257 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $62K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.