| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $29K | $2K | $31K | 13.70% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $5K | — | $5K | 2.24% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $581 | — | $581 | 0.26% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $476 | — | $476 | 0.21% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 9.32% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE HATCHER AGENCY | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $6K | — | $6K | 20.00% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $4K | — | $4K | 12.12% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $2K | — | $2K | 4.78% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 18.49% |
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $2K | — | $2K | 16.71% |
| BROKER SOLUTIONS INC3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $889 | — | $889 | 6.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $160K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | PO BOX 3505 LITTLE ROCK, AR 72203 | $50K |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 318 | $130K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 245 | $31K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 224 | $237K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 224 | $256K |
| Long-term disability | USABLE LIFE | 224 | $224K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 173 | $501K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 224 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.