| 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 | $28K | — | $28K | 5.00% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $7K | — | $7K | 14.04% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HATCHER AGENCY | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $4K | — | $4K | 9.55% |
| ACRISURE LLC3 | 123 S BROAD STREET, STE 830 PHILDELPHIA, PA 19109 | USABLE LIFE | $3K | — | $3K | 6.49% |
| JAMES PEW3 | 320 W. CAPITOL, STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $1K | — | $1K | 2.67% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $138 | — | $138 | 0.33% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.25% |
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $2K | $204 | $2K | 21.09% |
| ASHFORD MID SOUTH LLC | 6060 PRIMACY PARKWAY STE 175 MEMPHIS, TN 38119 | GUARDIAN | $22 | — | $22 | 0.22% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $256 | — | $256 | 7.99% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 165 | $567K |
| Dental | DELTA DENTAL OF ARKANSAS | 165 | $50K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 120 | $12K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 162 | $44K |
| Short-term disability | USABLE LIFE | 162 | $41K |
| Long-term disability | USABLE LIFE | 162 | $41K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 165 | $567K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 162 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.