| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREYFINCH, LLC4 | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $18K | — | $18K | 9.52% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $23K | — | $23K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $9K | — | $9K | 5.70% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $964 | — | $964 | 0.63% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $789 | — | $789 | 0.51% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $15K | — | $15K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $6K | — | $6K | 5.80% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $638 | — | $638 | 0.64% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $522 | — | $522 | 0.52% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $11K | — | $11K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $3K | — | $3K | 3.84% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $300 | — | $300 | 0.42% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $246 | — | $246 | 0.35% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $10K | — | $10K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $2K | — | $2K | 3.24% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $137 | — | $137 | 0.21% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $112 | — | $112 | 0.17% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $10K | $3K | $13K | 30.12% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $524 | — | $524 | 1.20% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINS ST LITTLE ROCK, AR 72201 | USABLE LIFE | $65 | — | $65 | 0.15% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $57 | — | $57 | 0.13% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $46 | — | $46 | 0.11% |
| RUNNELLS, JOHNNY3 | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | — | — | $0 | 0.00% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $6K | — | $6K | 20.96% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $4K | — | $4K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $2K | — | $2K | 5.91% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $103 | — | $103 | 0.39% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $84 | — | $84 | 0.32% |
| JTS FINANCIAL SERVICES Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.79% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 15.00% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72120 | USABLE LIFE | $880 | — | $880 | 5.26% |
| VANDYKE, MARIA3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $97 | — | $97 | 0.58% |
| DUNCAN, JERRY3 Filed as: DUNCAN, JERRY C/O ARKANSAS BLUE CRO | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $79 | — | $79 | 0.47% |
| JTS FINANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLC | 1616 BROOKWOOD DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 20.80% |
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 | 1,200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,200 | $8.3M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 350 | $185K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 802 | $108K |
| Life insurance | USABLE LIFE | 592 | $100K |
| Short-term disability | USABLE LIFE | 246 | $154K |
| Long-term disability(2 contracts) | USABLE LIFE | 130 | $135K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 1,200 | $8.3M |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 1,062 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.