| 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 | $10K | — | $10K | 1.93% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 5.71% |
| JTS FIANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICEES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 722021704 | VISION SERVICE PLAN | $9K | — | $9K | 4.88% |
| JOHN THOMAS STARLING3 | 4524 STONEWALL RD LITTLE ROCK, AR 72207 | GUARDIAN | $15K | — | $15K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONS BANK EIN 63-0371391 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $46K |
| JTS FINANCIAL NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1616 BROOKWOOD DR. LITTLE ROCK, AR 72202 | $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 | 1,114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,631 | $519K |
| Vision | VISION SERVICE PLAN | 874 | $180K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 864 | $250K |
| Other | GUARDIAN | 161 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,631 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.