| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST, SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL OF ARKANSAS | $3K | — | $3K | 5.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | QCA HEALTH PLAN | $28K | — | $28K | 59.13% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 8201 CANTRELL ROAD SUITE 240 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.69% |
| JTS FIANCIAL SERVICES3 Filed as: JTS FIANCIAL SERVICES, LLC | 8201 CANTRELL ROAD SUITE 240 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.74% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST, SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL OF ARKANSAS | $2K | — | $2K | 10.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 8201 CANTRELL ROAD SUITE 240 LITTLE ROCK, AR 72227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $500 | — | $500 | 14.99% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 8201 CANTRELL ROAD SUITE 240 LITTLE ROCK, AR 72227 | RELIANCE STANDARD | $533 | — | $533 | 16.25% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 153 | $48K |
| Dental | DELTA DENTAL OF ARKANSAS | 130 | $67K |
| Vision | DELTA DENTAL OF ARKANSAS | 92 | $15K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $7K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.