| 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 | $64K | — | $64K | 2.67% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL | $25K | — | $25K | 9.90% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $11K | $714 | $12K | 26.63% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $615 | $8K | 21.75% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | USABLE LIFE INSURANCE | $7K | — | $7K | 34.83% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE | $2K | $303 | $2K | 23.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HATCHER GROUP EIN 71-0685455 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | $129K |
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 | 820 | 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) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD | 820 | $2.4M |
| Dental | DELTA DENTAL | 754 | $252K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 639 | $62K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $35K |
| Short-term disability | USABLE LIFE INSURANCE | 198 | $19K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD | 820 | $2.4M |
| Other | GUARDIAN LIFE INSURANCE | 25 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.