| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $26K | $670 | $26K | 15.39% |
| WILLIAM BUCKNER3 | 4816 KENYON DR. LITTLE ROCK, AR 72205 | USABLE LIFE | $8K | $0 | $8K | 4.54% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $5K | $0 | $5K | 2.75% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $1K | $0 | $1K | 0.78% |
| JUDY STEPHENS3 | 124 STOKES ROAD PINE BLUFF, AR 71602 | USABLE LIFE | $268 | $0 | $268 | 0.16% |
| MICHAEL DODSON3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $67 | $0 | $67 | 0.04% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST, STE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $399K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 503 | $117K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 475 | $26K |
| Life insurance | USABLE LIFE | 500 | $172K |
| Short-term disability | USABLE LIFE | 500 | $172K |
| Long-term disability | USABLE LIFE | 500 | $172K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $399K |
| Other | USABLE LIFE | 500 | $172K |
| 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."
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.