| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY DBA CO | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN LIFE INSURANCE COMPANY | $61K | $0 | $61K | 16.35% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER & CO EIN 62-0632599 AGENT FEES | Insurance agents and brokers Service code 22 | 606 MENDENHALL RD., STE 200 MEMPHIS, TN 38117 | $182K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMIN | Contract Administrator Service code 13 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $156K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO CHARGE | Other fees Service code 99 | PO BOX 88860 CHICAGO, IL 60695 | $99K |
| NARUS HEALTH INC. EIN 47-1929604 DIS MGT | Distribution (12b-1) fees Service code 63 | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | $27K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 U/R | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $16K |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 545 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.