| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | QCA HEALTH PLAN | $84K | — | $84K | 5.39% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $11K | — | $11K | 10.86% |
| ACRISURE LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $3K | — | $3K | 4.02% |
| BUCKNER, WILLIAM | 4816 KENYON DRIVE LITTLE ROCK, AR 72205 | USABLE LIFE | $390 | — | $390 | 0.45% |
| SHUMAKE, CHRISTOPHER Filed as: SHUMAKE, CHRISTOPER | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $280 | — | $280 | 0.33% |
| RUNNELLS, JOHNNY | 3008 TIMBER CREEK DRIVER NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $151 | — | $151 | 0.18% |
| THE HATCHER AGENCY Filed as: HATCHER AGENCCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 25.00% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 15.00% |
| ACRISURE LLC | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $4K | $2K | $6K | 28.43% |
| ASHFORD MID SOUTH LLC | 6000 POPLAR AVE 113 MEMPHIS, TN 38119 | GUARDIAN | $39 | — | $39 | 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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 398 | $1.6M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 388 | $103K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 337 | $28K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 107 | $119K |
| Short-term disability | USABLE LIFE | 107 | $86K |
| Long-term disability | USABLE LIFE | 107 | $86K |
| Other | GUARDIAN | 48 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.