| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114K | $18K | $131K | 17.30% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $14K | $67K | 15.26% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | — | $51K | 12.00% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $12K | — | $12K | 2.99% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $8K | $49K | 17.87% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $11K | $39K | 15.19% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 2.40% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 18.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 TPA | Claims processing Service code 12 | — | $10.3M |
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 | 1,481 | 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) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,093 | $416K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,092 | $165K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,481 | $1.1M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,456 | $1.0M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $380K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL ASSURANCE OF TENNESSEE, INC. | 1,372 | $150K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,481 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,093 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.