| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $417K | — | $417K | 25.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $289K | — | $289K | 17.73% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $221K | — | $221K | 20.00% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MS | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 21.66% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.66% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 25.00% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MS | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 22.20% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $598 | $598 | 1.29% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $409 | — | $409 | 0.88% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | FIRST STOP HEALTH | $2K | — | $2K | 6.63% |
| ACRISURE LLC3 | PO BOX 3505 LITTLE ROCK, AR 72203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $667 | $177 | $844 | 6.54% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $170 | $529 | 4.10% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 1.71% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DR BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $107 | $203 | 1.57% |
| ROBERT W ALLEN3 | 102 FLOYD BURNS ROAD EL PASO, AR 72045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $4 | $134 | 1.04% |
| WHITNEY FRANCIS3 | 2241 IRONDALE DR BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $8 | $93 | 0.72% |
| WILLIAM ANDREW MENARD3 | 1501 N UNIVERSITY AVE LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.70% |
| GRADY RANDALL GULLETT3 | PO BOX 60 HATTIEVILLE, AR 72063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $27 | $84 | 0.65% |
| TEKAYLA WORKS3 | 115 VILLAGE BEND DRIVE ALEXANDER, AR 72002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.57% |
| GINGER MULLINS & COMPANY INC3 | 1 WEATHERSTONE PT LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $7 | $56 | 0.43% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $2K | $526 | $3K | 30.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: KRISTIN HAYES C/O BCBS | 4019 E. CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $301 | — | $301 | 3.37% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $60 | — | $60 | 0.67% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS CLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $38 | — | $38 | 0.42% |
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 | 504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 504 | $337K |
| Dental | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 504 | $337K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 363 | $77K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 703 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $71K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $46K |
| Stop-loss / reinsurancereinsurance | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 504 | $337K |
| Other(6 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 360 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.