| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | 1300 WEST 6TH STREET LITTLE ROCK, AR 72201 | CIGNA | — | $59K | $59K | 4.24% |
| ACRISURE LLC3 | — | CIGNA | — | $3K | $3K | 0.20% |
| KEMMONS WILSON INSURANCE GROUP LLC3 | 8700 W TRAIL LAKE DR MEMPHIS, TN 381258205 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $11K | — | $11K | 11.46% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.01% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $84 | $2K | 2.69% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.29% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $981 | — | $981 | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $5K | — | $5K | 21.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $3K | $493 | $3K | 23.41% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 226 | $1.7M |
| Dental | DELTA DENTAL OF ARKANSAS | 298 | $96K |
| Vision | DELTA DENTAL OF ARKANSAS | 247 | $23K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $79K |
| Prescription drug | CIGNA | 226 | $1.4M |
| Other | GUARDIAN | 33 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.