| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $46K | $11K | $57K | 17.93% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $22K | $5K | $27K | 18.32% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | STANDARD INSURANCE COMPANY | $12K | $3K | $14K | 18.31% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72205 | ADVANTICA INSURANCE COMPANY | $5K | — | $5K | 9.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 5901 LINCOLN DR EDINA, MN 55436 | $316K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 - | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS RD ST. LOUIS, MO 63127 | $39K |
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 | 870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ADVANTICA INSURANCE COMPANY | 1,236 | $50K |
| Life insurance | STANDARD INSURANCE COMPANY | 661 | $319K |
| Short-term disability | STANDARD INSURANCE COMPANY | 360 | $146K |
| Long-term disability | STANDARD INSURANCE COMPANY | 381 | $79K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 681 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 661 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,236 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.