| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 722021704 | UNITED HEALTHCARE INSURANCE COMPANY | — | $77K | $77K | 4.51% |
| RANDY BELL3 Filed as: RANDY C. BELL | 200 W BROADWAY P.O. BOX 697 MONETT, MO 65708 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASSOCIATES, LLC | 3046 S. DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE | $21K | $2K | $24K | 11.08% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 1201 EAST MAIN ST. JONESBORO, AR 72401 | COLONIAL LIFE & ACCIDENT INSURANCE | $7K | $82 | $7K | 3.22% |
| LANA L WILHITE LLC3 Filed as: LANA L WILHITE, LLC | 3046 S. DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $477 | $5K | 2.20% |
| RALPH E ZIMMERMAN3 Filed as: RALPH E. ZIMMERMAN | 248 E. MONASTERY ST. SUITE 237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $129 | $3K | 1.61% |
| DEBORAH L MCCURTER3 Filed as: DEBORAH L. MCCURTER | 3046 S. DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $127 | $3K | 1.40% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $117 | $3K | 1.29% |
| WILLIAM NEAL SCHUMAKER3 | P.O. BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $118 | $3K | 1.25% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $537 | $2K | 1.04% |
| BARNETT BENEFITS GROUP INC3 | 101 BARNETT ROAD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $267 | $2K | 0.84% |
| ROBERT W ALLEN3 Filed as: ROBERT W. ALLEN | 39 SUNCREST DR CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $419 | $2K | 0.79% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER MULLINS & COMPANY, INC | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE | $680 | $91 | $771 | 0.36% |
| RICHARD RILEY3 | 503 S. SARAH AVE REPUBLIC, MO 65738 | COLONIAL LIFE & ACCIDENT INSURANCE | $71 | — | $71 | 0.03% |
| RANDY BELL3 | P.O. BOX 697 MONETT, MO 65708 | COLONIAL LIFE & ACCIDENT INSURANCE | $17 | $31 | $48 | 0.02% |
| SITZMANN MORRIS & LAVIS INS AGENCY3 Filed as: SITZMANN MORRIS & LAVIS INSURANCE | 3697 MT. DIABLO BLVD LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE | $20 | — | $20 | 0.01% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 415 N. MCKINLEY ST., 305 LITTLE ROCK, AR 72205 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 9.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPECIALTY RISK MANAGEMENT , LLC | 2023 S. GARRISON AVE CARTHAGE, MO 65836 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | — | $6K | 15.01% |
| JTC FINANCIAL SERVICES3 | 415 N. MCKINLEY ST., SUITE 305 LITTLE ROCK, AR 72205 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 278 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 312 | $97K |
| Vision | ADVANTICA INSURANCE COMPANY | 358 | $24K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 227 | $39K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE | 281 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.