| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 310 LOUSIANA STREET LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $6K | — | $6K | 1.49% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | — | $29K | 18.31% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 6.69% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL OF ARKANSAS | $9K | — | $9K | 5.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $82K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | — | $25K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 410 | $143K |
| Vision | DELTA DENTAL OF ARKANSAS | 303 | $412K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 111 | $161K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 111 | $161K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 0 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.