| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | STANDARD INSURANCE COMPANY | $41K | $22K | $63K | 22.93% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | STANDARD INSURANCE COMPANY | $21K | $10K | $31K | 22.03% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | STANDARD INSURANCE COMPANY | $12K | $6K | $17K | 22.17% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | ADVANTICA INSURANCE COMPANY | $4K | $471 | $5K | 10.21% |
| 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 | $488K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS RD ST. LOUIS, MO 63127 | $50K |
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 | 1,063 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ADVANTICA INSURANCE COMPANY | 951 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY | 655 | $276K |
| Short-term disability | STANDARD INSURANCE COMPANY | 358 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 375 | $78K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,063 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 655 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.