| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $33K | — | $33K | 24.07% |
| BLUE ADVANTAGE ADMINISTRATORS OF AR3 | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | SIRIUS AMERICA INS CO | $12K | — | $12K | 10.00% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $8K | — | $8K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | — | $3K | 5.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $2K | $2K | 3.61% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $286 | — | $286 | 0.55% |
| 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 | $234 | — | $234 | 0.45% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 17.88% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $5K | — | $5K | 10.66% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $2K | — | $2K | 4.37% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $5K | — | $5K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $1K | $1K | 3.38% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $354 | — | $354 | 1.15% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $39 | — | $39 | 0.13% |
| 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 | 0.10% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $4K | — | $4K | 22.09% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $1K | $1K | 6.32% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $593 | — | $593 | 2.93% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $69 | — | $69 | 0.34% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $65 | — | $65 | 0.32% |
| 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 | $53 | — | $53 | 0.26% |
| YOUR BENEFITS AGENCY INC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 15.00% |
| JOHN TAYLOR | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $973 | — | $973 | 5.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $655 | $655 | 3.37% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $107 | — | $107 | 0.55% |
| 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 | $88 | — | $88 | 0.45% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 15.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $348 | $348 | 3.47% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $160 | — | $160 | 1.59% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $18 | — | $18 | 0.18% |
| 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 | 0.14% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | $572 | — | $572 | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $191 | — | $191 | 5.01% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | USABLE LIFE | — | $118 | $118 | 3.09% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $21 | — | $21 | 0.55% |
| 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 | $17 | — | $17 | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE FLOOR 8 ITASCA, IL 60143 | USABLE LIFE | $138 | — | $138 | 3.90% |
| 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 | $112K |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEADVANTAGE ADMINISTRATORS OF AR | 190 | $0 |
| Long-term disability | USABLE LIFE | 191 | $31K |
| Other(10 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 266 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.