| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY | 310 LOUISIANA LITTLE ROCK, AR 72201 | QCA HEALTH PLAN | $67K | — | $67K | 6.16% |
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 10.96% |
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $631 | $10K | 26.84% |
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $426 | $7K | 26.75% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 16.56% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $330 | — | $330 | 1.66% |
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $377 | $3K | 23.09% |
| ASHFORD MID SOUTH LLC | 6000 POPLAR AVE 113 MEMPHIS, TN 38119 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.20% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 340 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 314 | $82K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $20K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
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.