| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 3345 S CAMPBELL AVE STE B SPRINGFIELD, MO 65807 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 3.43% |
| ACRISURE LLC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 1.76% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $14K | — | $14K | 12.99% |
| THE HATCHER AGENCY3 | C/O GREGORY HATCHER PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $3K | — | $3K | 14.37% |
| BROKER SOLUTIONS INC3 | C/O GREG L HATCHER 310 LOUISIANNA ST LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $541 | — | $541 | 2.65% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 13.96% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 17900 CHENAL PARKWAY SUITE 100 LITTLE ROCK, AR 72223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.90% |
| ACRISURE LLC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $995 | — | $995 | 6.10% |
| ASHFORD MID SOUTH LLC3 | 1020 W 3RD ST LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.06% |
| BARRY ROE3 | 3260 TURTLE HILL CV CONWAY, AR 72034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $182 | — | $182 | 9.44% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | FL 4 2909 13TH ST GULFPORT, MS 39501 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $165 | — | $165 | 8.56% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 6800 PINNACLE VALLEY ROAD LITTLE ROCK, AR 72223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $120 | — | $120 | 6.22% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $1.0M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 259 | $105K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 204 | $20K |
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 73 | $20K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 33 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.