| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | SIRIUS AMERICA INS CO | $10K | — | $10K | 10.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $9K | — | $9K | 15.00% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $2K | — | $2K | 3.74% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $1K | — | $1K | 1.92% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $225 | — | $225 | 0.38% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | -$128 | — | -$128 | -0.22% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $7K | — | $7K | 15.36% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $5K | — | $5K | 18.77% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $292 | — | $292 | 1.07% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $96 | — | $96 | 0.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72202 | USABLE LIFE | $19 | — | $19 | 0.07% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $9 | — | $9 | 0.03% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $2K | $254 | $2K | 13.16% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $321 | — | $321 | 1.70% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $134 | — | $134 | 0.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $49 | — | $49 | 0.26% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | — | $27 | $27 | 0.14% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | $7 | — | $7 | 0.04% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $3K | — | $3K | 15.00% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $721 | — | $721 | 3.83% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $381 | — | $381 | 2.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $76 | — | $76 | 0.40% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | -$8 | — | -$8 | -0.04% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $2K | — | $2K | 22.67% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $154 | — | $154 | 1.76% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $35 | — | $35 | 0.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $7 | — | $7 | 0.08% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | -$8 | — | -$8 | -0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE FLOOR 8 ITASCA, IL 60143 | USABLE LIFE | $167 | — | $167 | 4.25% |
| JTS FINANCIAL SERVICES4 Filed as: JTS FINANCIAL SERVICES LLC | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | USABLE LIFE | $321 | — | $321 | 15.01% |
| DODSON, MICHAEL3 | 15 TEXARKANA TRACE TEXARKANA, TX 75503 | USABLE LIFE | $100 | — | $100 | 4.68% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $23 | — | $23 | 1.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DUNCAN, JERRY C/O AR BCBS | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $5 | — | $5 | 0.23% |
| SHUMAKE, CHRISTOPHER3 | 75 VALLEY ESTATES COVE LITTLE ROCK, AR 72212 | USABLE LIFE | -$2 | — | -$2 | -0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | PO BOX 3743 LITTLE ROCK, AR 72203 | $119K |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | USABLE LIFE | 227 | $27K |
| Other(8 contracts, 3 carriers) | SIRIUS AMERICA INS CO | 268 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.