| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 9.16% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 25.00% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 22.84% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.16% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $466 | $466 | 0.80% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $428 | $428 | 0.99% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 311 | $371K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 452 | $134K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 284 | $55K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 620 | $82K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $101K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $30K |
| Stop-loss / reinsurancereinsurance | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 311 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.