| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | METROPOLITAN LIFE INS COMPANY | $7K | $75 | $7K | 17.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INS COMPANY | — | $500 | $500 | 1.26% |
| JTS FINANCIAL SERVICES | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INS COMPANY | — | $189 | $189 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E 52ND STREET N STE 100 WICHITA, KS 67226 | GUARDIAN | $6K | $754 | $7K | 19.09% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $102 | — | $102 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 10.63% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 64.56% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | TRUSTMARK INSURANCE COMPANY | $976 | — | $976 | 22.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES 3 | Consulting (general); Insurance agents and brokers Service code 16 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | $35K |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ADVANTAGE | 229 | $802K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 262 | $70K |
| Vision | METROPOLITAN LIFE INS COMPANY | 241 | $40K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INS COMPANY | 241 | $40K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 47 | $40K |
| Prescription drug | HEALTH ADVANTAGE | 229 | $802K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INS COMPANY | 241 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.