| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | TRUSTMARK INSURANCE COMPANY | $45K | — | $45K | 40.74% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY ST SUITE 305 LITTLE ROCK, AR 72205 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 23.71% |
| JTS FINANCIAL SERVICES3 | 415 N MCKINLEY STE 305 LITTLE ROCK, AR 72205 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $170 | $3K | 21.27% |
| HAROLD CAMPBELL CO3 | PO BOX D CAMDEN, AR 71711 | AMERICAN HERITAGE LIFE INSURANCE CO | $157 | — | $157 | 2.78% |
| AF SMITH & ASSOCIATES3 Filed as: A F SMITH | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE CO | $57 | — | $57 | 1.01% |
| LEIGH ANN JOHNSON-MACON3 | 137 LINDY LANE CABOT, AR 72023 | AMERICAN HERITAGE LIFE INSURANCE CO | $53 | — | $53 | 0.94% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE BENEFITS INC | 137 LINDY LANE CABOT, AR 72023 | AMERICAN HERITAGE LIFE INSURANCE CO | $1 | — | $1 | 0.02% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE CO | 8 | $6K |
| Other(4 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 194 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.