| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES STREET LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | $372K | $776K | $1.1M | 15.42% |
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY | PO BOX 3505 LITTLE ROCK, AR 72203 | PRINCIPAL LIFE INSURANCE | $162K | $27K | $189K | 24.18% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | PRINCIPAL LIFE INSURANCE | $33K | — | $33K | 4.28% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $69K | — | $69K | 10.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | HUMANA | $33K | — | $33K | 19.83% |
| THE HATCHER AGENCY3 Filed as: THE HATCHER AGCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN | $78K | — | $78K | 75.07% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLAR ST 113 MEMPHIS, TN 38119 | GUARDIAN | $76 | — | $76 | 0.07% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE | $14K | — | $14K | 19.00% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 1.50% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN HERITAGE LIFE INSURANCE | $518 | — | $518 | 0.69% |
| AF SMITH & ASSOCIATES3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE | $26 | — | $26 | 0.03% |
| MID MISSOURI INSURANCE AGENCY INC3 Filed as: MID MISSOURI INS AGCY INC | P.O. BOX 52 BOLIVAR, MO 65613 | AMERICAN HERITAGE LIFE INSURANCE | $17 | — | $17 | 0.02% |
| LORI LEE NEGRE3 | 204 NORTHGATE AVE MONETT, MO 65708 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.02% |
| JASEN BOICE3 | 735 WEST HARMONY STE D NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.01% |
| PHIL E WISE3 | 17778 LOCUST RD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.01% |
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 | 1,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ADVANTAGE | 895 | $7.5M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,190 | $688K |
| Vision | HUMANA | 793 | $167K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 1,833 | $884K |
| Short-term disability | PRINCIPAL LIFE INSURANCE | 1,833 | $781K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 1,833 | $781K |
| Prescription drug | HEALTH ADVANTAGE | 895 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.