| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 310 LOUISIANA ST. LITTLE ROCK, AR 722010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 4.97% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 10.66% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 722033505 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 26.74% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 20.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $5K | — | $5K | 25.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: KRISTIN HAYES C/O AR BCBS | 4019 E. CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $178 | — | $178 | 0.83% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $49 | — | $49 | 0.23% |
| KAREN WOODWARD3 | 2187 RIVERWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $37 | — | $37 | 0.17% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $5 | — | $5 | 0.02% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $763K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 237 | $87K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 229 | $22K |
| Short-term disability | USABLE LIFE | 109 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.