| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $76K | $37K | $113K | 22.21% |
| JAMES PEW3 | 320 W CAPITOL STE 900 LITTLE ROCK, AR 72201 | USABLE LIFE | $6K | $2K | $9K | 1.68% |
| SONYA GEORGE3 | 1062 HWY 305 SOUTH SEARCY, AR 72143 | USABLE LIFE | $8K | — | $8K | 1.48% |
| JOHNNY RUNNELLS3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $2K | $525 | $3K | 0.55% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $876 | — | $876 | 0.17% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $717 | — | $717 | 0.14% |
| NONE3 | — | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
| JOHN THOMAS STARLING3 | 4524 STONEWALL RD LITTLE ROCK, AR 72207 | GUARDIAN | $12K | — | $12K | 10.97% |
| NONE3 | — | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
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 | 791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,075 | $313K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 1,035 | $92K |
| Life insurance | USABLE LIFE | 959 | $508K |
| Short-term disability | USABLE LIFE | 959 | $508K |
| Long-term disability | USABLE LIFE | 959 | $508K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 959 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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.