| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 4.80% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | HUMANA INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $947 | $7K | 17.19% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $764 | $6K | 17.21% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $366 | $3K | 17.23% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $907 | $139 | $1K | 17.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER EIN 62-0632599 INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 606 S MENDENNALL RD. STE 200 MEMPHIS, TN 38117 | $78K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $71K |
| HS TECHNOLOGY EIN 27-1818792 INSURANCE SERVICES | Insurance services Service code 23 | 3857 BIRCH ST. SUITE 586 NEWPORT BEACH, CA 92660 | $34K |
| NARUS HEALTH EIN 47-1929604 INSURANCE SERVICES | Insurance services Service code 23 | 424 CHURCH ST. SUITE 2300 NASHVILLE, TN 37219 | $14K |
| HEALTHEOS EIN 39-1634080 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 29380 NEW YORK, NY 10087 | $10K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 95135 CHICAGO, IL 60694 | $9K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 360142 PITTSBURGH, PA 15250 | $6K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 INSURANCE SERVICES | Insurance services Service code 23 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | $6K |
| KISX CARD EIN 83-3137984 INSURANCE SERVICES | Insurance services Service code 23 | 1 KACEY COURT SUITE 100 MECHANICSBURG, PA 17055 | $4K |
| HEALTH SMART EIN 75-2727437 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 207102 DALLAS, TX 75320 | $3K |
| ALABAMA PREMIER NETWORK EIN 63-1041628 INSURANCE SERVICES | Insurance services Service code 23 | 699A GALLATIN ST. HUNTSVILLE, AL 35801 | $720 |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 316 | $130K |
| Dental | HUMANA INSURANCE COMPANY | 316 | $130K |
| Vision | HUMANA INSURANCE COMPANY | 316 | $130K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $43K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.