| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR | P O BOX 3743 LITTLE ROCK, AR 72203 | BLUE ADVANTAGE ADMINISTRTATORS OF ARKANSAS | — | $136K | $136K | 5.37% |
| QBE INSURANCE Filed as: QBE | 55 WATER STREET NEW YORK, NY 10041 | BLUE ADVANTAGE ADMINISTRTATORS OF ARKANSAS | $52K | — | $52K | 2.05% |
| THE HATCHER AGENCY | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 9.95% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $996 | $16K | 29.02% |
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 20.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 28.15% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $317 | $7K | 27.82% |
| ACRISURE LLC3 | P O BOX 3505 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $418 | $24 | $442 | 4.87% |
| WILLIAM ANDREW MENARD3 Filed as: WILLIAM MENARD | 1501 N UNIVERSITY AVE LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $198 | — | $198 | 2.18% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $60 | $65 | $125 | 1.38% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $84 | — | $84 | 0.93% |
| MELANIE REYNOLDS3 | 20 BLANKENSHIP DRIVE CONWAY, AR 72032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $60 | — | $60 | 0.66% |
| ROBERT W ALLEN3 | 39 SUNCREST DR CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $58 | — | $58 | 0.64% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $23 | $29 | $52 | 0.57% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $26 | $8 | $34 | 0.37% |
| DAMON FRANCIS3 | 2042 ELAINE CIRCLE ARKADELPHIA, AR 71923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $9 | $2 | $11 | 0.12% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | $4 | $2 | $6 | 0.07% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE ADVANTAGE ADMINISTRTATORS OF ARKANSAS | 325 | $2.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 450 | $140K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 417 | $53K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 649 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $38K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 98 | $24K |
| Stop-loss / reinsurancereinsurance | BLUE ADVANTAGE ADMINISTRTATORS OF ARKANSAS | 325 | $2.5M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPAMU | 24 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.