| 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 | $70K | — | $70K | 14.87% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 3.76% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | DELTA DENTAL OF ARKANSAS | $7K | — | $7K | 20.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 26.32% |
| ASHFORD MID SOUTH LLC3 | 6000 POPLAR ST 1113 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.20% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 25.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 722033505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Other fees; Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 841300541 | $880K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | PO BOX 3505 LITTLE ROCK, AR 72203 | $17K |
| 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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 525 | $164K |
| Vision | DELTA DENTAL OF ARKANSAS | 411 | $33K |
| Life insurance | STANDARD INSURANCE COMPANY | 313 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $30K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $28K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 263 | $468K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.