| 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 | $1K | $8K | 23.67% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 24.02% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $880 | $6K | 23.52% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $863 | $6K | 23.71% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $603 | $4K | 23.52% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $476 | $3K | 23.50% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $527 | $3K | 24.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $349 | $3K | 23.03% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $374 | $5K | 39.96% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $399 | $2K | 23.80% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $274 | $2K | 22.54% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $454 | $4K | 41.83% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $314 | $2K | 23.96% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $238 | $2K | 23.52% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $323 | — | $323 | 14.99% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $305 | $49 | $354 | 23.23% |
| JTS FINANCIAL SERVICES3 | 1616 BROOKWOOD RD LITTLE ROCK, AR 72202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62 | $6 | $68 | 22.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE MUTUAL INSURANCE COMPANY EIN 71-0226428 | Consulting (pension) Service code 17 | — | $498K |
| REGIONS EIN 63-6129301 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $33K |
| REYNOLDS BONE & GRIESBECK EIN 62-0428728 | Accounting (including auditing) Service code 10 | — | $21K |
| PRIMEFLEX ADMINISTRATIVE SERVICES EIN 42-1615971 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
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 | 746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(15 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $195K |
| Short-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 213 | $33K |
| Long-term disability(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 213 | $67K |
| Other(8 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
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.