| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P O BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $48K | — | $48K | 17.00% |
| THE HATCHER AGENCY3 | 310 LOUISANA STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 12.43% |
| THE HATCHER AGENCY3 | 310 LOUISANA ST LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.55% |
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 | 1,484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 2,673 | $284K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,600 | $260K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,675 | $234K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,600 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,673 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.