| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 20.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | USABLE LIFE | $10K | — | $10K | 25.00% |
| ACRISURE LLC3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | GUARDIAN | $7K | $3K | $10K | 27.53% |
| ASHFORD MID SOUTH LLC3 | 6000 POPLAR AVE 113 MEMPHIS, TN 38119 | GUARDIAN | $73 | — | $73 | 0.20% |
| THE HATCHER AGENCY3 | 310 LOUSIANA LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 15.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 | Claims processing Service code 12 | — | $200K |
| SOUTHERN SCRIPTS | Claims processing Service code 12 | PO BOX 2482 NATCHITOCHES, LA 71457 | $48K |
| HOGANTAYLOR LLP EIN 73-1413977 | Accounting (including auditing) Service code 10 | — | $18K |
| DELTA DENTAL PLAN OF ARKANSAS EIN 71-0561140 | Claims processing Service code 12 | — | $15K |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 458 | $55K |
| Life insurance | STANDARD INSURANCE COMPANY | 334 | $73K |
| Long-term disability | USABLE LIFE | 315 | $39K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 61 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.