| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNITED HEALTHCARE INSURANCE COMPANY | — | $65K | $65K | 5.26% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $9K | — | $9K | 13.00% |
| THE HATCHER AGENCY4 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE FINANCIAL | $3K | — | $3K | 7.91% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE FINANCIAL | $6K | — | $6K | 20.18% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE FINANCIAL | $5K | — | $5K | 19.11% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | GUARDIAN | $13K | $424 | $13K | 52.25% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLAR ST 113 MEMPHIS, TN 38119 | GUARDIAN | $149 | — | $149 | 0.59% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $3K | — | $3K | 22.81% |
| GREGORY HATCHER3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $24 | — | $24 | 0.17% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 11.02% |
| THE HATCHER AGENCY3 Filed as: THE HATCHER AGENRCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | LINCOLN FINANCIAL GROUP | $2K | $301 | $2K | 29.68% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $949 | — | $949 | 20.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM - PROVIDENT LIFE AND INSURANCE COMPANY | $57 | — | $57 | 2.71% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLAR ST 113 MEMPHIS, TN 38119 | UNUM - PROVIDENT LIFE AND INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 221 | $1.2M |
| Dental | DELTA DENTAL OF ARKANSAS | 245 | $65K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 212 | $18K |
| Life insurance(4 contracts, 4 carriers) | SUN LIFE FINANCIAL | 215 | $52K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE FINANCIAL | 120 | $66K |
| Long-term disability | SUN LIFE FINANCIAL | 89 | $28K |
| Other | GUARDIAN | 42 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.