| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE J. ROSSI3 Filed as: EUGENE STARKS | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | $20K | — | $20K | 1.62% |
| JTS FINANCIAL SERVICES3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.75% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MS | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 19.49% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.07% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.84% |
| JTS FINANCIAL SERVICES3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.42% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY, PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $935 | $935 | 5.00% |
| JTS FINANCIAL SERVICES3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MA 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $739 | — | $739 | 5.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $428 | $428 | 2.90% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $952 | — | $952 | 15.01% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $393 | $393 | 6.19% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI | 202 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $72K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $40K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 61 | $36K |
| Long-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 61 | $63K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 114 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.