| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | UNITED HEALTHCARE | $32K | — | $32K | 5.02% |
| THE HATCHER AGENCY Filed as: HATCHER AGENCY | P.O. BOX 3505 LITTLE ROCK, AR 72212 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 9.87% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | $17 | $2K | 12.70% |
| MARTIN MCCALL | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $416 | $0 | $416 | 3.04% |
| WILLIAM BUCKNER | 9 WESTOAK CIRCLE LITTLE ROCK, AR 72223 | USABLE LIFE | $144 | — | $144 | 1.05% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $81 | — | $81 | 0.59% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $38 | — | $38 | 0.28% |
| THE HATCHER AGENCY Filed as: HATCHER AGENCY | P.O. BOX 3505 LITTLE ROCK, AR 72212 | HARTFORD LIFE & ACCIDENT | $3K | — | $3K | 25.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 6307 84TH ST. SE CALEDONIA, MI 49316 | HARTFORD LIFE & ACCIDENT | — | $182 | $182 | 1.48% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 0 | $635K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 181 | $65K |
| Life insurance | USABLE LIFE | 0 | $14K |
| Short-term disability | LINCOLN LIFE INS. | 0 | $0 |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 124 | $12K |
| Other | USABLE LIFE | 0 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.