| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | ARKANSAS BLUE CROSS BLUE SHIELD | — | $94K | $94K | 11.58% |
| N/A3 | — | ARKANSAS BLUE CROSS BLUE SHIELD | — | $24K | $24K | 2.90% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 9.06% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $7K | $273 | $7K | 24.53% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $275 | — | $275 | 0.99% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $38 | — | $38 | 0.14% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $31 | — | $31 | 0.11% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 19.79% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5 STAR LIFE INSURANCE | $4K | — | $4K | 22.77% |
| BROKER SOLUTIONS INC3 Filed as: BROKER SOLUTIONS INC. | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE | $2K | — | $2K | 11.96% |
| ACRISURE LLC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| N/A3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 0.65% |
| ASHFORD MID SOUTH LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.20% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $103 | $2K | 26.25% |
| JOEL T. ALLEN4 Filed as: JOEL T ALLEN | 544 PAWNEE WAY MADISON, MS 39110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $204 | — | $204 | 9.36% |
| CRAIG R STATEN4 | 421 CARROLLTON AVENUE LEXINGTON, MS 39095 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | — | $103 | 4.73% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHIELD | 186 | $814K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 198 | $77K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 135 | $19K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 136 | $46K |
| Long-term disability | USABLE LIFE | 136 | $28K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHIELD | 186 | $814K |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 136 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.