| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | 1300 WEST 6TH STREET LITTLE ROCK, AR 72201 | CIGNA | — | $59K | $59K | 5.26% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $12K | — | $12K | 10.94% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $689 | $5K | 12.79% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $509 | $77 | $586 | 1.66% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.33% |
| TENNESSEE AUTOMOTIVE ASSOC3 | ROBERTS V WEAVER JR JD PRESIDENT NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $673 | $673 | 2.01% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $459 | $3K | 10.70% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $981 | $78 | $1K | 3.24% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $4K | — | $4K | 20.44% |
No Schedule C service providers reported on this filing.
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 234 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 323 | $112K |
| Vision | DELTA DENTAL OF ARKANSAS | 258 | $21K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $102K |
| Prescription drug | CIGNA | 234 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.