| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | HCC LIFE INSURANCE COMPANY | $17K | — | $17K | 4.97% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | USABLE LIFE | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 13.00% |
| 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 | 8.18% |
| 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 | 9.55% |
| 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 | $723 | — | $723 | 8.18% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN | $5K | $161 | $5K | 61.83% |
| ASHFORD MID SOUTH LLC3 | 6363 POPLAR AVE SUITE 220 MEMPHIS, TN 38119 | GUARDIAN | $200 | — | $200 | 2.28% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $538 | — | $538 | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $467 | — | $467 | 13.01% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $290 | — | $290 | 9.43% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $111 | — | $111 | 3.61% |
| JAS D COLLIER & CO DBA COLLIER INS3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $124 | — | $124 | 10.15% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $65 | — | $65 | 5.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $111K |
| JAS D COLLIER EIN 62-0632599 BROKER | Other commissions Service code 55 | 606 S MENDENHALL ROAD #200 MEMPHIS, TN 38117 | $37K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $4K |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $90K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $90K |
| Life insurance(2 contracts) | USABLE LIFE | 156 | $38K |
| Short-term disability | USABLE LIFE | 131 | $21K |
| Long-term disability | USABLE LIFE | 131 | $18K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 126 | $333K |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 156 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
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.