| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL | $13K | — | $13K | 9.94% |
| THE HATCHER AGENCY3 Filed as: HATCHER ENTERPRISES, INC. | P O BOX 3505 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 17.99% |
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $10K | — | $10K | 20.00% |
| THE HATCHER AGENCY3 | 310 LOUSIANA STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $307 | $3K | 11.06% |
| WILLIAM ANDREW MENARD3 | 1501 N UNIVERSITY AVE LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $0 | $780 | 2.63% |
| MELANIE REYNOLDS3 | 20 BLANKENSHIP DRIVE CONWAY, AR 72032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $245 | $774 | 2.61% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINES & COMPANY | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $1 | $265 | 0.89% |
| ROBERT W ALLEN3 | 39 SUNCREST DRIVE CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.58% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $61 | $85 | 0.29% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE ADVANTAGE ADMINISTRATORS OF AR | 303 | $2.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 789 | $217K |
| Vision | DELTA DENTAL OF ARKANSAS | 370 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $83K |
| Stop-loss / reinsurancereinsurance | BLUE ADVANTAGE ADMINISTRATORS OF AR | 303 | $2.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.