| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, OH 38117 | TOKIO MARINE | $34K | — | $34K | 4.99% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | TOKIO MARINE | $9K | — | $9K | 4.98% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN | $18K | — | $18K | 12.19% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER COMPANY | 606 SOUTH MENDEHALL STE 600 MEMPHIS, TN 38117 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | — | $3K | 17.25% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | 655 METRO PL N. STE 500 DUBLIN, OH 43017 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $276 | — | $276 | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $124K |
| COLLIER INSURANCE EIN 62-0632599 BROKER | Other commissions Service code 55 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | $42K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $3K |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 145 | $151K |
| Vision | GUARDIAN | 145 | $151K |
| Life insurance | GUARDIAN | 145 | $151K |
| Short-term disability | GUARDIAN | 145 | $151K |
| Long-term disability | GUARDIAN | 145 | $151K |
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE | 139 | $870K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 145 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.