| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACE BENEFIT PARTNERS, INC.3 | 1013 E. WINDING CREEK DRIVE EAGLE, ID 83616 | HCC LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.12% |
| RISK STRATEGIES COMPANY3 Filed as: RSG SPECIALTY, LLC | P.O. BOX 898 EMMETT, ID 83617 | HCC LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.09% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DR LITTLE ROCK, AR 72202 | SYMETRA LIFE INSURANCE COMPANY | $25K | $10K | $34K | 16.77% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | PO BOX 34380 LITTLE ROCK, AR 72203 | TRANSAMERICA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 17.51% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY INC | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.53% |
No Schedule C service providers reported on this filing.
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 295 | $186K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 394 | $30K |
| Life insurance(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 460 | $378K |
| Short-term disability | AFLAC | 18 | $8K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 460 | $204K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 321 | $364K |
| Other(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 460 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.