| 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 | — | $23K | $23K | 1.90% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.60% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 4.52% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 1.07% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $6K | $18K | 22.91% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.15% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $242 | — | $242 | 1.73% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | P O BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $5K | $1K | $6K | 81.24% |
| HAYES, KRISTIN3 | C/O AR BCBS 4019 E CHURCHILL DRIVE FAYETTEVILLE, AR 72701 | USABLE LIFE | $695 | $7 | $702 | 8.94% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $463 | — | $463 | 5.90% |
| 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 | $103 | $3 | $106 | 1.35% |
| 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 | $35 | — | $35 | 0.45% |
| VANDYKE, MARIA3 | 13 PAYNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | -$45 | $16 | -$29 | -0.37% |
| WOODWARD, KAREN3 | 4026 N ZION VALLEY DR FAYETTEVILLE, AR 72703 | USABLE LIFE | -$407 | $77 | -$330 | -4.20% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $1.2M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 275 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $79K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $79K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 162 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.