| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $755 | $8K | 22.17% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $622 | $7K | 22.07% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $522 | $6K | 22.08% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $624 | $6K | 22.53% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $447 | $5K | 22.12% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $353 | $4K | 22.05% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $333 | $3K | 22.21% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $276 | $3K | 22.03% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $262 | $5K | 42.02% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $239 | $3K | 22.10% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $230 | $5K | 42.15% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $226 | $2K | 22.16% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $215 | $2K | 22.16% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $190 | $2K | 22.12% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY STE. 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $181 | $2K | 22.32% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $151 | $2K | 22.24% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | $94 | $303 | 29.05% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144 | $20 | $164 | 22.81% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52 | $6 | $58 | 22.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE MUTUAL INSURANCE COMPANY EIN 71-0226428 | Consulting (pension) Service code 17 | — | $223K |
| QUALCHOICE EIN 71-0794605 | Contract Administrator Service code 13 | — | $173K |
| JTS FINANCIAL SERVICES EIN 20-3385906 | Consulting (pension) Service code 17 | — | $59K |
| REYNOLDS BONE & GRIESBECK EIN 62-0428728 | Accounting (including auditing) Service code 10 | — | $21K |
| REGIONS EIN 63-6129301 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| PRIMEFLEX ADMINISTRATIVE SERVICES EIN 42-1615971 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(15 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $205K |
| Long-term disability(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $57K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 895 | $196K |
| Other(8 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.