| 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 | $11K | — | $11K | 10.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $9K | — | $9K | 14.00% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $3K | — | $3K | 5.00% |
| 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 | $642 | — | $642 | 1.00% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $639 | — | $639 | 1.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $10K | — | $10K | 19.13% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $5K | — | $5K | 14.11% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $366 | — | $366 | 1.10% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $355 | — | $355 | 1.07% |
| 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 | $73 | — | $73 | 0.22% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $4K | $503 | $4K | 21.01% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $629 | — | $629 | 3.02% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $210 | — | $210 | 1.01% |
| 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 | $126 | $25 | $151 | 0.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $74 | — | $74 | 0.36% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 14.82% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $879 | — | $879 | 5.00% |
| 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 | $176 | — | $176 | 1.00% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $32 | — | $32 | 0.18% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $1K | — | $1K | 12.19% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $289 | — | $289 | 2.82% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $162 | — | $162 | 1.58% |
| 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 | $32 | — | $32 | 0.31% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $189 | — | $189 | 13.80% |
| PROPPS, KAYLA3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $69 | — | $69 | 5.04% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $17 | — | $17 | 1.24% |
| 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 | $14 | — | $14 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE FLOOR 8 ITASCA, IL 60143 | USABLE LIFE | — | — | $0 | — |
| 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 | $116K |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEADVANTAGE ADMINISTRATORS OF AR | 218 | $0 |
| Long-term disability | USABLE LIFE | 206 | $33K |
| Other(8 contracts, 3 carriers) | SIRIUS AMERICA INS CO | 216 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.