| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | BLUE CROSS AND BLUE SHIELD | $82K | — | $82K | 5.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL | $21K | — | $21K | 10.82% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | SUPERIOR VISION SERVICES | $10K | — | $10K | 19.72% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $8K | $513 | $9K | 26.57% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE | $3K | $62 | $3K | 65.06% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6363 POPLAR AVE #220 MEMPHIS, TN 38119 | GUARDIAN LIFE INSURANCE | $40 | — | $40 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HATCHER GROUP EIN 71-0685455 INS. BROKER | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | $131K |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD | 723 | $1.6M |
| Dental | DELTA DENTAL | 649 | $192K |
| Vision | SUPERIOR VISION SERVICES | 513 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 84 | $33K |
| Other | GUARDIAN LIFE INSURANCE | 13 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.