| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | PO BOX 3505 LITTLE ROCK, AA 72203 | SWISS RE-SWISS RE | $40K | — | $40K | 9.97% |
| NOT PROVIDED3 | — | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | $40K | — | $40K | 10.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $61K | $8K | $69K | 28.44% |
| DUSTIN PRICE3 | 1800 HIDDEN CREEK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $7K | — | $7K | 2.87% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $817 | — | $817 | 0.34% |
| JERRY DUNCAN3 | C/O ARKANSAS BLUE CROSS BLUE SHIELD 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $669 | — | $669 | 0.28% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $13K | — | $13K | 9.90% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 20.00% |
| BROKER SOLUTIONS INC3 | PO BOX 3525 LITTLE ROCK, AR 72203 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $13K | — | $13K | 41.02% |
| 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% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $1K | — | $1K | 4.50% |
| THE HATCHER AGENCY3 | C/O GREGORY HATCHER PO BOX 3505 LITTLE ROCK, AR 72203 | 5STAR LIFE INSURANCE COMPANY | $2K | — | $2K | 17.16% |
| BROKER SOLUTIONS INC3 Filed as: BROKER | C 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | 5STAR LIFE INSURANCE COMPANY | $1K | — | $1K | 7.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $143K |
| THE HATCHER AGENCY EIN 71-0685455 BROKER | Other commissions Service code 55 | PO BOX 3505 LITTLE ROCK, AR 72203 | $47K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 351 | $128K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 252 | $32K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 233 | $257K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 233 | $274K |
| Long-term disability | USABLE LIFE | 233 | $243K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE-SWISS RE | 166 | $809K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 233 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.