| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | HEALTH ADVANTAGE | — | $34K | $34K | 4.80% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $8K | — | $8K | 10.00% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $3K | — | $3K | 4.39% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $374 | — | $374 | 0.48% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $307 | — | $307 | 0.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 25.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $3K | — | $3K | 10.61% |
| BROKER SOLUTIONS INC3 Filed as: BROKER SOLUTIONS | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $144 | — | $144 | 0.51% |
| GREGORY HATCHER3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $85 | — | $85 | 0.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE ATLANTA, GA 303395918 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $214 | — | $214 | 7.48% |
| THE HATCHER AGENCY4 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | — | $34 | 1.19% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 0 | $713K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 179 | $58K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 165 | $23K |
| Life insurance | USABLE LIFE | 246 | $78K |
| Short-term disability(3 contracts, 3 carriers) | USABLE LIFE | 246 | $135K |
| Long-term disability | USABLE LIFE | 246 | $78K |
| Prescription drug | HEALTH ADVANTAGE | 0 | $713K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 246 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.