| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY ST, SUITE 305 LITTLE ROCK, AR 72205 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 2.14% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| JOHN THOMAS STARLING3 | 4524 STONEWALL RD LITTLE ROCK, AR 72207 | GUARDIAN | $18K | — | $18K | 20.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES, LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | VISION SERVICE PLAN | $2K | — | $2K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USABLE MUTUAL INSURANCE COMPANY EIN 71-0226428 | Consulting (pension) Service code 17 | — | $548K |
| PRIMEFLEX ADMINISTRATIVE SERVICES EIN 42-1615971 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| REYNOLDS BONE & GRIESBECK EIN 62-0428728 | Accounting (including auditing) Service code 10 | — | $8K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC LIFE INSURANCE COMPANY | 841 | $196K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,671 | $427K |
| Vision | VISION SERVICE PLAN | 269 | $49K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC LIFE INSURANCE COMPANY | 841 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,671 | — |
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."
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.