| 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 | $137K | $11K | $149K | 16.23% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | $11K | $100K | 13.52% |
| NOT PROVIDED3 | — | ARKANSAS BLUE CROSS AND BLUE SHIELD | $20K | — | $20K | 3.00% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $10K | $58K | 14.42% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $6K | $50K | 17.14% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $5K | $42K | 20.50% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 11.05% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $19K | 17.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 NONE | Claims processing Service code 12 | — | $12.3M |
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 | 1,902 | 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) | 1,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,049 | $661K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 3,036 | $166K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,902 | $1.1M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,885 | $1.1M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 791 | $398K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 1,499 | $356K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,902 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,049 | — |
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.