| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS BLUE SHEILDS | — | $43K | $43K | 2.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $10K | — | $10K | 14.40% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $1K | $15K | 21.81% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $20K | — | $20K | 32.40% |
| GREGORY L. HATCHER3 | 310 LOUISIAN STREET LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $959 | — | $959 | 1.55% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $6K | $3K | $9K | 15.06% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $6K | — | $6K | 9.37% |
| ASHFORD MID SOUTH LLC3 | 6000 POPLAR AVE 113 MEMPHIS, TN 38119 | GUARDIAN | $57 | — | $57 | 0.09% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $930 | $4K | 8.23% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 17.12% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $17 | $2K | 25.25% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS BLUE SHEILDS | 380 | $1.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 281 | $71K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 233 | $25K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $137K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 116 | $109K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $69K |
| Prescription drug | ARKANSAS BLUE CROSS BLUE SHEILDS | 380 | $1.5M |
| Other | GUARDIAN | 78 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.