| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P. O. BOX 3505 LITTLE ROCK, AR 72203 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $37K | — | $37K | 4.71% |
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 10.75% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $5K | — | $5K | 25.00% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $304 | — | $304 | 1.56% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $51 | — | $51 | 0.26% |
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 20.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | USABLE LIFE | $2K | — | $2K | 25.00% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $161 | — | $161 | 1.89% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $25 | — | $25 | 0.29% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 413 | $794K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 164 | $60K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 92 | $10K |
| Life insurance | USABLE LIFE | 215 | $9K |
| Long-term disability | USABLE LIFE | 226 | $20K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 413 | $794K |
| Other | USABLE LIFE | 215 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
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.