| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $6K | $28K | 12.50% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.58% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $10K | $33K | 21.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.27% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 15.79% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT BLVD SUITE 201 RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.74% |
| ACUITY GROUP OF MS LLC3 | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $7K | $23K | 21.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.08% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROCKWOOD DR. LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 16.03% |
| BENEFIT ADMINISTRATION COMPANY LLC3 Filed as: BENEFIT ADMINISTRATION SERVICES LTD | 613 CRESCENT BLVD SUITE 201 RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.80% |
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 | 503 | 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) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 409 | $226K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $55K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 458 | $154K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $159K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $109K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 458 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.