| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY | P.O. BOX 3505 LITTLE ROCK, AR 72212 | UNITED HEALTHCARE | $37K | — | $37K | 5.00% |
| THE HATCHER AGENCY Filed as: HATCHER AGENCY | P.O. BOX 3505 LITTLE ROCK, AR 72212 | DELTA DENTAL PLAN OF ARKANSAS | $7K | — | $7K | 10.90% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | $66 | $2K | 13.56% |
| MARTIN MCCALL3 | 4203 STEPHANIE LANE JONESBORO, AR 72401 | USABLE LIFE | $518 | $37 | $555 | 4.04% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DR. NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $103 | — | $103 | 0.75% |
| GEORGE BURKS | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $0 | $5 | $5 | 0.04% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 104 | $749K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 160 | $62K |
| Life insurance | USABLE LIFE | 0 | $14K |
| Short-term disability | LINCOLN LIFE INS. | 0 | $0 |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 0 | $0 |
| Other | USABLE LIFE | 0 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.