| 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 | $62K | — | $62K | 1.99% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S. MENDENHALL STE 200 MEMPHIS, TN 38117 | BLUE CROSS AND BLUE SHIELD | $12K | — | $12K | 0.40% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL | $4K | — | $4K | 2.05% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | DELTA DENTAL | $437 | — | $437 | 0.23% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 16.67% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 22.42% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 MENDENHALL STE 200 MEMPHIS, TN 38117 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.55% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $300 | $4K | 14.75% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $61 | $2K | 6.68% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | USABLE LIFE INSURANCE | $5K | — | $5K | 26.50% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S. MENDENHALL STE 200 MEMPHIS, TN 38117 | USABLE LIFE INSURANCE | $895 | — | $895 | 4.42% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE | $2K | $921 | $3K | 16.09% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | GUARDIAN LIFE INSURANCE | $799 | — | $799 | 4.10% |
| 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 | $101K |
| JAS D COLLIER & COMPANY INSURAMCE BROKER | Insurance brokerage commissions and fees Service code 53 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | $21K |
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 | 962 | 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) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD | 962 | $3.1M |
| Dental | DELTA DENTAL | 899 | $189K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 704 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $25K |
| Short-term disability | USABLE LIFE INSURANCE | 210 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD | 962 | $3.1M |
| Other | GUARDIAN LIFE INSURANCE | 48 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.