| 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 | $22K | — | $22K | 10.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 1.60% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $2K | $31K | 24.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E JOYCE BLVD FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| THE HATCHER AGENCY3 | 310 LOUSIANA ST STE 200 LITTLE ROCK, AR 72201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $2K | $27K | 24.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| THE HATCHER AGENCY3 | P.O. BOX 3505 LITTLE ROCK, AR 72203 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 20.00% |
| THE HATCHER AGENCY3 Filed as: THE HATCHER AGCY | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 25.46% |
| ASHFORD MID SOUTH LLC3 | 6000 POPLAR AVE 113 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.09% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $451 | $5K | 18.69% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE SUITE 830 CALEDONIA, MI 49316 | USABLE LIFE | $2K | — | $2K | 15.00% |
| BINKLEY, MITRA3 | 5009 SILVER OAK DRIVE SHERWOOD, AR 72120 | USABLE LIFE | $94 | — | $94 | 0.90% |
| PEW, JAMES3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $70 | — | $70 | 0.67% |
| BURKS, GEORGE3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $24 | — | $24 | 0.23% |
| COMPTON, STEPHEN3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $17 | — | $17 | 0.16% |
| THE HATCHER AGENCY4 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 79.89% |
| MICHAEL S SCHWARTZ4 | 34 DRYDEN RD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $321 | — | $321 | 5.12% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | STE 2400, 2000 CENTER POINT RD COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.45% |
| DENISE R WEBB4 | 12118 WINTER BROOK DR HOUSTON, TX 77066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.38% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 397 | $1.3M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 541 | $203K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 390 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $111K |
| Prescription drug | HEALTH ADVANTAGE | 397 | $1.3M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.