| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $58K | — | $58K | 13.66% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $40K | — | $40K | 10.94% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 13.63% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 13.68% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 12.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 5901 LINCOLN DR EDINA, MN 55436 | $586K |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 633 | $364K |
| Vision | STANDARD INSURANCE COMPANY | 550 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 847 | $423K |
| Short-term disability | STANDARD INSURANCE COMPANY | 450 | $202K |
| Long-term disability | STANDARD INSURANCE COMPANY | 478 | $106K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 657 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 847 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.