| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $26K | — | $26K | 3.50% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $11K | $18K | 23.75% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $8K | $16K | 28.28% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 27.33% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | ALLSTATE BENEFITS | $12K | — | $12K | 37.02% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $8K | 28.02% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | ALLSTATE BENEFITS | $5K | — | $5K | 18.80% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.39% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 27.70% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $739 | $422 | $1K | 23.57% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 119 | $751K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $78K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $30K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 119 | $751K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.