| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER III | 606 SOUTH MENDENHAL STE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESEE, INC. | $6K | — | $6K | 7.57% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | USABLE LIFE | $4K | $61 | $4K | 15.20% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 13.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $0 | $28 | $28 | 0.09% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRLCE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.16% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 9.35% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $996 | $57 | $1K | 12.90% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $362 | — | $362 | 4.43% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $656 | — | $656 | 8.16% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $630 | $14 | $644 | 15.34% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $546 | — | $546 | 13.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $0 | $6 | $6 | 0.14% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $508 | $31 | $539 | 16.36% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $260 | — | $260 | 7.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC EIN 39-1997579 CONTRACT ADMIN | Claims processing Service code 12 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $9K |
| HST TECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $7K |
| JAS D COLLIER EIN 62-0632599 INSURANCE AGENT | Custodial (securities) Service code 19 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | $5K |
| MEDWATCH EIN 16-1662117 OTHER | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $824 |
| HEALTHEOS EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $812 |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 330 | $82K |
| Vision | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 330 | $82K |
| Life insurance(2 contracts) | USABLE LIFE | 156 | $38K |
| Short-term disability | USABLE LIFE | 131 | $22K |
| Long-term disability | USABLE LIFE | 131 | $19K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $49K |
| Other(5 contracts) | USABLE LIFE | 156 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.