| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $51K | — | $51K | 4.76% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 25.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 10.88% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF ARKANSAS | $4K | — | $4K | 20.00% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $3K | — | $3K | 22.49% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE HATCHER AGENCY | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $3K | — | $3K | 19.99% |
| BAFFIN BAY MARKETING GROUP, LLC3 | P.O. BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $570 | — | $570 | 4.49% |
| BROKER SOLUTIONS INC3 Filed as: BROKER SOLUTIONS, INC | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $1K | — | $1K | 30.53% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE HATCHER AGENCY | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $839 | — | $839 | 20.00% |
| BAFFIN BAY MARKETING GROUP, LLC | P O BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $190 | — | $190 | 4.53% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 110 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF ARKANSAS | 210 | $86K |
| Vision | DELTA DENTAL OF ARKANSAS | 155 | $19K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 188 | $75K |
| Short-term disability(2 contracts) | MANHATTANLIFE ASSURANCE CO OF AMERICA | 30 | $17K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 188 | $75K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 110 | $1.1M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 188 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.