| 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 | $80K | — | $80K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $10K | — | $10K | 1.82% |
| CHASE CAIN3 | 2206 N CLEVELAND ST LITTLE ROCK, AR 72207 | USABLE LIFE | $8K | — | $8K | 1.48% |
| STEPHEN COMPTON3 | 226 VALLEY CLUB CIRCLE LITTLE ROCK, AR 72212 | USABLE LIFE | $7K | — | $7K | 1.25% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $2K | — | $2K | 0.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERRY DUNCAN C/O AR BCBS | 516 EAST MILLSAP ROAD SUITE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $2K | — | $2K | 0.34% |
| JOHN THOMAS STARLING3 | 4524 STONEWALL RD LITTLE ROCK, AR 72207 | GUARDIAN | $13K | — | $13K | 10.00% |
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 | 807 | 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) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,134 | $352K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,067 | $105K |
| Life insurance | USABLE LIFE | 952 | $531K |
| Short-term disability | USABLE LIFE | 952 | $531K |
| Long-term disability | USABLE LIFE | 952 | $531K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 952 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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.