| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $41K | — | $41K | 26.12% |
| 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 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $9K | — | $9K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $3K | — | $3K | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $340 | — | $340 | 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 | $279 | — | $279 | 0.45% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $5K | — | $5K | 9.56% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INS CO | $4K | — | $4K | 7.83% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 17.53% |
| YOUR BENEFITS AGENCY INC3 | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 19.50% |
| YOUR BENEFITS AGENCY INC3 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $5K | — | $5K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $365 | — | $365 | 1.11% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $40 | — | $40 | 0.12% |
| 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 | $33 | — | $33 | 0.10% |
| YOUR BENEFITS AGENCY INC3 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $4K | $435 | $4K | 20.74% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $595 | — | $595 | 2.79% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST LITTLE ROCK, AR 72201 | USABLE LIFE | $70 | — | $70 | 0.33% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $65 | — | $65 | 0.31% |
| 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 | $54 | — | $54 | 0.25% |
| YOUR BENEFITS AGENCY INC | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $3K | — | $3K | 15.00% |
| JOHN TAYLOR | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $989 | — | $989 | 5.00% |
| MARIA VANDYKE | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $109 | — | $109 | 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 | $89 | — | $89 | 0.45% |
| YOUR BENEFITS AGENCY INC3 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $1K | — | $1K | 15.00% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $157 | — | $157 | 1.62% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $17 | — | $17 | 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% |
| 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% |
| YOUR BENEFITS AGENCY INC3 | PO BOX 34380 LITTLE ROCK, AR 72203 | USABLE LIFE | $159 | — | $159 | 15.01% |
| JOHN TAYLOR3 | 4240 E BRIDGEWATER LANE FAYETTEVILLE, AR 72703 | USABLE LIFE | $53 | — | $53 | 5.00% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $6 | — | $6 | 0.57% |
| 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 | 0.47% |
| JTS FINANCIAL SERVICES4 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $408 | — | $408 | — |
| 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 | $106K |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEADVANTAGE ADMINISTRATORS OF AR | 186 | $0 |
| Long-term disability | USABLE LIFE | 168 | $33K |
| Other(12 contracts, 6 carriers) | TRUSTMARK INSURANCE COMPANY | 225 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.