| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | SYMETRA LIFE INSURANCE COMPANY | $312K | $83K | $395K | 18.98% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $19K | — | $19K | 2.99% |
| JTS FINANCIAL SERVICES3 | PO BOX 34380 LITTLE ROCK, AR 72203 | TRANSAMERICA LIFE INSURANCE COMPANY | $76K | — | $76K | 22.60% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $35K | — | $35K | 25.04% |
| JOHN T STARLING3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | SYMETRA LIFE INSURANCE COMPANY | $69 | — | $69 | 12.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CARRIER | Claims processing Service code 12 | — | $19.0M |
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 | 1,711 | 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) | 1,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 2,870 | $643K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 2,796 | $158K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,599 | $2.1M |
| Short-term disability(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,599 | $2.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,599 | $2.1M |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 1,365 | $939K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,711 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,870 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.