| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $31K | — | $31K | 18.45% |
| PHILLIP GOODRUM3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 4.61% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 3.09% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | 4275 W SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.66% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| FLETCHER INSURANCE GROUP3 | PO BOX 15018 LITTLE ROCK, AR 72231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $679 | — | $679 | 2.00% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 95.89% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $21K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 513 | $201K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $167K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $167K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 513 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.