| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $18K | — | $18K | 15.00% |
| CHRISTOPHER SHUMAKE3 | 75 VALLEY ESTATE COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $6K | — | $6K | 5.33% |
| GEORGE BURKS3 | 9 ALTON LANE LITTLE ROCK, AR 72211 | USABLE LIFE | $1K | — | $1K | 0.90% |
| UNKNOWN3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $8K | — | $8K | 10.90% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 8201 CANTRELL ROAD SUITE 240 LITTLE ROCK, AR 72227 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ACUITY GROUP OF MS LLC3 | 613 CRESCENT CIR STE 201 RIDGELNAD, MS 39157 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.28% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | TRANSAMERICA LIFE INSURANCE COMPANY | $962 | — | $962 | 8.17% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $233K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $77K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 162 | $23K |
| Life insurance | USABLE LIFE | 241 | $119K |
| Short-term disability | USABLE LIFE | 241 | $119K |
| Long-term disability | USABLE LIFE | 241 | $119K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 175 | $221K |
| Other | USABLE LIFE | 241 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
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.