| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | HEALTH ADVANTAGE | $31K | $93K | $124K | 18.21% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 10.27% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $805 | $12K | 27.57% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 61.79% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5 STAR LIFE INSURANCE COMPANY | $5K | — | $5K | 32.40% |
| GREGORY HATCHER3 | 310 LOUISIANA ST. LITTLE ROCK, AR 72201 | 5 STAR LIFE INSURANCE COMPANY | $237 | — | $237 | 1.55% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 20.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $162 | $2K | 22.24% |
| THE HATCHER AGENCY3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $897 | — | $897 | 24.99% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 200 | $679K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 175 | $54K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 125 | $11K |
| Life insurance(3 contracts, 3 carriers) | 5 STAR LIFE INSURANCE COMPANY | 138 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $45K |
| Prescription drug | HEALTH ADVANTAGE | 200 | $679K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.