| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $37K | $5K | $42K | 16.69% |
| JUDY STEPHENS3 | 124 STOKES ROAD PINE BLUFF, AR 71602 | USABLE LIFE | $7K | $0 | $7K | 2.64% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $5K | $0 | $5K | 2.12% |
| MICHAEL DODSON3 | #15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $1K | $0 | $1K | 0.56% |
| JTS FINANCIAL SERVICES3 | 10 RANCH VALLEY LITTLE ROCK, AR 72207 | DELTA DENTAL PLAN OF ARKANSAS | $6K | $0 | $6K | 3.44% |
| JTS FINANCIAL SERVICES3 | 10 RANCH VALLEY LITTLE ROCK, AR 72207 | DELTA VISION PLAN OF ARKANSAS | $6K | $0 | $6K | 9.12% |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 717 | $162K |
| Vision | DELTA VISION PLAN OF ARKANSAS | 657 | $60K |
| Life insurance | USABLE LIFE | 670 | $252K |
| Short-term disability | USABLE LIFE | 670 | $252K |
| Long-term disability | USABLE LIFE | 670 | $252K |
| Other | USABLE LIFE | 670 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.