| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | 1300 WEST 6TH STREET LITTLE ROCK, AR 72201 | CIGNA | $59K | $2K | $61K | 4.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $28K | — | $28K | 23.65% |
| WILLIAM BUCKNER3 | 7002 WESTSHORE AVE BENTON, AR 72019 | USABLE LIFE | $6K | — | $6K | 4.80% |
| JERRY DUNCAN3 Filed as: JERRY DUNCAN C/O ARBCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $855 | — | $855 | 0.73% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $239 | — | $239 | 0.20% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $27 | — | $27 | 0.02% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $11K | — | $11K | 10.03% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $5K | — | $5K | 20.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $3K | $1K | $4K | 29.73% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | GUARDIAN | $550 | $414 | $964 | 9.21% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA | 180 | $1.5M |
| Dental | DELTA DENTAL OF ARKANSAS | 308 | $108K |
| Vision | DELTA DENTAL OF ARKANSAS | 231 | $23K |
| Life insurance | USABLE LIFE | 212 | $117K |
| Short-term disability | USABLE LIFE | 212 | $117K |
| Long-term disability | USABLE LIFE | 212 | $117K |
| Prescription drug | CIGNA | 180 | $1.5M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 212 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.