| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $186K | — | $186K | 8.28% |
| ACRISURE LLC3 Filed as: ACRISURE MIDWEST PARTNERS INSURANCE | PO BOX 510187 NEW BERLIN, WI 53151 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 1.72% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $483K | $56K | $538K | 24.13% |
| BROKER SOLUTIONS INC5 Filed as: BROKER SOLUTIONS | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $32K | $32K | 1.44% |
| ACRISURE LLC3 Filed as: ACRISURE | 1239 BUICK LANE HUNKER, PA 15639 | 5STAR LIFE INSURANCE COMPANY | $86K | — | $86K | 27.88% |
| BROKER SOLUTIONS INC3 Filed as: BROKER SOLUTIONS | 310 LOUSIANA ST. LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $36K | — | $36K | 11.69% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $131 | — | $131 | 0.04% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA VISION PLAN OF ARKANSAS | $54K | — | $54K | 18.28% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $37K | — | $37K | 19.65% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 STE 203 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $8K | — | $8K | 4.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $437K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $69K |
| MERCER HEALTH AND BENEFITS LLC EIN 22-1211670 INSURER | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | — | $14K |
| CARELONRX, INC. EIN 82-3062245 CLAIMS PROCESSOR | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $0 |
| HEALTH KEEPERS INC. EIN 54-1356687 CLAIMS PROCESSOR | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$27K |
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 | 2,839 | 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) | 2,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA VISION PLAN OF ARKANSAS | 2,631 | $295K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $2.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,623 | $2.2M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,631 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.