| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 25.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $699 | $699 | 0.75% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MS | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL INC | PO BOX 34380 LITTLE ROCK, AR 72203 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.17% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | — | $0 | 0.00% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MS | 1022 HIGHLAND COLONY PKWY #202 RIDGELAND, MS 39157 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $327 | $327 | 0.76% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL INC | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $4K | $1K | $6K | 32.36% |
| DAVID NEEDHAM3 | 1840 PARK RIDGE DRIVE VAN BUREN, AR 72956 | USABLE LIFE | $156 | — | $156 | 0.87% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS CLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $18 | — | $18 | 0.10% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $17 | — | $17 | 0.09% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O BCBS | 516 EAST MILSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $14 | — | $14 | 0.08% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERV LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $610 | — | $610 | 7.80% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $7 | $7 | 17.95% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 362 | $421K |
| Dental | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 362 | $421K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 355 | $72K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 642 | $101K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $72K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $43K |
| Stop-loss / reinsurancereinsurance | BLUE ADVANTAGE ADMINISTRATORS OF ARKANSAS | 362 | $421K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 48 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
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.