| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5312 W MARKHAM ST LITTLE ROCK, AR 72205 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.23% |
| ACURISURELLC DBA THE HATCHER AGENCY3 | 310 SOUTH LOUISIANA STREET LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURNACE COMPNAY | $2K | $1K | $4K | 7.16% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 310 SOUTH LOUISIANA STREET LITTLE ROCK, AR 72201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $8K | — | $8K | 20.00% |
| BROKER SOLUTIONS INC3 | P.O. BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $4K | — | $4K | 9.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $2K | — | $2K | 4.51% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 310 SOUTH LOUISIANA STREET LITTLE ROCK, AR 72201 | RELIANCE STANDARD | — | $346 | $346 | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUNDSTONE INSURANCE TPA | Insurance services; Claims processing Service code 12 | 15422 DETROIT AVENUE LAKEWOOD, OH 44107 | $201K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $130K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 BROKER | Other commissions Service code 55 | 6100 S. YALE, STE. 1900 TULSA, OK 74136 | $91K |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $140K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $140K |
| Life insurance | RELIANCE STANDARD | 249 | $16K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURNACE COMPNAY | 126 | $49K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 255 | $863K |
| Other(2 contracts, 2 carriers) | MANHATTANLIFE ASSURANCE CO OF AMERICA | 249 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.