| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $26K | — | $26K | 5.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $6K | — | $6K | 12.74% |
| THE HATCHER AGENCY3 | 1001 W MARKHAM LITTLE ROCK, AR 72203 | USABLE LIFE | $6K | — | $6K | 14.90% |
| JAMES PEW3 | 320 W. CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 2.70% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 5664 PRAIRIE CREEK DR. SE PO BOX 1788 CALEDONIA, MI 49316 | USABLE LIFE | $482 | — | $482 | 1.22% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72118 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 65.12% |
| CHARTWELL FINANCIAL GROUP LLC3 Filed as: CHARTWELL FINANCIAL GROUP, LLC | 6000 POPLAR STREET 113 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.76% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 164 | $529K |
| Dental | DELTA DENTAL OF ARKANSAS | 162 | $49K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 113 | $15K |
| Life insurance | USABLE LIFE | 157 | $40K |
| Short-term disability | USABLE LIFE | 157 | $40K |
| Long-term disability | USABLE LIFE | 157 | $40K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 164 | $529K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 157 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.