| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 14.83% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.89% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 18.29% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.75% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $6K | 18.63% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $879 | — | $879 | 2.56% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 19.92% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS INC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | PO BOX 3095 ARLINGTON HTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.56% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | — | $716 | 2.76% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.99% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS INC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | PO BOX 3095 ARLINGTON HTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | $536 | $1K | 11.13% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $384 | — | $384 | 2.87% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | $671 | $2K | 18.01% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269 | — | $269 | 3.03% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $642 | $195 | $837 | 14.07% |
| TRACIE MCPHERSON3 | PO BOX 2722 MADISON, MS 39130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $167 | — | $167 | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS BATON ROUGE | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $4K | $4K | — |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 117 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $65K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 448 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $54K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $32K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 117 | $0 |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 448 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.