| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 5.00% |
| ACRISURE LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.45% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 5.74% |
| ACRISURE LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $5K | $292 | $6K | 16.62% |
| SONYA GEORGE | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $374 | — | $374 | 1.13% |
| MARIA VANDYKE | 13 PAWNEE COURTH MAUMELLE, AR 72113 | USABLE LIFE | $41 | — | $41 | 0.12% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $34 | — | $34 | 0.10% |
| ACRISURE LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $5K | $265 | $5K | 16.37% |
| SONYA GEORGE | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $2K | — | $2K | 5.18% |
| MARIA VANDYKE | 13 PAWNEE COURTH MAUMELLE, AR 72113 | USABLE LIFE | $179 | — | $179 | 0.57% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $146 | — | $146 | 0.47% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $5K | — | $5K | 21.70% |
| BROKER SOLUTIONS INC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $2K | — | $2K | 11.06% |
| ACRISURE LLC3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 11.69% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $272 | $3K | 16.52% |
| ACRISURE LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $1K | $76 | $2K | 16.34% |
| SONYA GEORGE | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $499 | — | $499 | 5.18% |
| MARIA VANDYKE | 13 PAWNEE COURTH MAUMELLE, AR 72113 | USABLE LIFE | $55 | — | $55 | 0.57% |
| JERRY DUNCAN | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $45 | — | $45 | 0.47% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $2K | — | $2K | 20.00% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $1K | — | $1K | 13.35% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $408 | — | $408 | 4.51% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $2K | — | $2K | 20.00% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $1K | — | $1K | 18.13% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $354 | — | $354 | 4.53% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $180 | $2K | 27.54% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $570 | — | $570 | 25.91% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $440 | — | $440 | 20.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $99 | — | $99 | 4.50% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 188 | $63K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 149 | $20K |
| Life insurance(4 contracts, 4 carriers) | 5STAR LIFE INSURANCE COMPANY | 156 | $60K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 101 | $39K |
| Long-term disability | USABLE LIFE | 156 | $33K |
| Other(6 contracts, 6 carriers) | 5STAR LIFE INSURANCE COMPANY | 156 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.