| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY THE | PO BOX 3505 LITTLE ROCK, AR 722033505 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 5.00% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 722012708 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF ARKANSAS | $6K | — | $6K | 11.95% |
| NOLAN R SMITH3 Filed as: NOLAN SMITH | 1019 BROWN DR WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.90% |
| WILLIAM D. BARRY3 | 5131 SUMMERHILL RD TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $822 | — | $822 | 3.89% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF ARKANSAS | $3K | — | $3K | 20.00% |
| WILLIAM D. BARRY3 Filed as: WILLIAM D BARRY LP | 5131 SUMMERHILL RD TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 8.82% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE | AGENCY INC 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $1K | — | $1K | 6.19% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $211 | — | $211 | 1.22% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RAOD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $44 | — | $44 | 0.25% |
| WILLIAM D. BARRY3 Filed as: WILLIAM D. BARRY, LP | 5131 SUMMERHILL ROAD TEXARKANA, TX 755031823 | USABLE LIFE | $1K | — | $1K | 9.25% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE | AGENCY INC 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $788 | — | $788 | 5.76% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $684 | — | $684 | 5.00% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $149 | — | $149 | 1.09% |
| WILLIAM D. BARRY3 Filed as: WILLIAM D. BARRY, LP | 5131 SUMMERHILL ROAD TEXARKANA, TX 75503 | HARTFORD LIFE AND ACCIDENT | $590 | — | $590 | 5.00% |
| WD BARRY LP3 | 5131 SUMMERHILL TEXARKANA, TX 75503 | USABLE LIFE | $89 | — | $89 | 9.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE | AGENCY INC 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $59 | — | $59 | 5.98% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $49 | — | $49 | 4.97% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $11 | — | $11 | 1.12% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $847K |
| Dental | DELTA DENTAL OF ARKANSAS | 155 | $54K |
| Vision | DELTA DENTAL OF ARKANSAS | 138 | $17K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 157 | $52K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 32 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $12K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 157 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.