| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 1.82% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 6.02% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | P O BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $5K | — | $5K | 25.07% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | $728 | — | $728 | 4.06% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | A MUTUAL INSURANCE COMPANY ATTN KAREN BAGLEY 601 S. GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $91 | — | $91 | 0.51% |
| VANDYKE, MARIA3 | 13 PAYNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $80 | — | $80 | 0.45% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY, ARKANSAS BLUE CROSS | BLUE SHIELD, 516 E. MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $66 | — | $66 | 0.37% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.48% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 301 | $104K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $16K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $79K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $79K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 155 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.