| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $16K | $608 | $17K | 15.52% |
| TOBIE JOST3 | 9749 OAK FOREST LN SHERWOOD, AR 72120 | USABLE LIFE | $3K | — | $3K | 2.95% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $369 | — | $369 | 0.34% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $302 | — | $302 | 0.28% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $4 | — | $4 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 6.45% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $186K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | PO BOX 3505 LITTLE ROCK, AR 72203 | $30K |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE | 240 | $109K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 298 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $22K |
| Life insurance | USABLE LIFE | 240 | $109K |
| Short-term disability | USABLE LIFE | 240 | $109K |
| Long-term disability | USABLE LIFE | 240 | $109K |
| Other | USABLE LIFE | 240 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.