| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $55K | — | $55K | 14.86% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 1.37% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.49% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | VISION SERVICE PLAN | $2K | — | $2K | 4.33% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $9K | 29.92% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 26.16% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLAR ST 113 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.20% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | PO BOX 509075 SAN DIEGO, CA 921509075 | $556K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 841300541 | $118K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | PO BOX 3505 LITTLE ROCK, AR 72203 | $18K |
| ERWIN & COMPANY EIN 71-0603587 AUDITOR | Accounting (including auditing) Service code 10 | 6311 RANCH DR. LITTLE ROCK, AR 72223 | $13K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 553 | $179K |
| Vision | VISION SERVICE PLAN | 200 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 320 | $71K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $27K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 130 | $29K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 262 | $369K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.