| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $397 | $11K | 10.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER & CO BROKER | Insurance brokerage commissions and fees Service code 53 | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | $72K |
| LUCENT HEALTH SOLUTIONS ADMIN | Contract Administrator; Claims processing Service code 12 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $66K |
| HST TECHNOLOGY SOLUTIONS INC REF BASEPR | Other fees Service code 99 | 3857 BIRCH STREET STE 586 NEWPORT BEACH, CA 92660 | $25K |
| MEDWATCH LLC U/R | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $21K |
| HEALTHEOS PPO | Other fees Service code 99 | PO BOX 29380, GENERAL P.O NEW YORK, NY 10087 | $10K |
| INTERLINK CARE MANGEMENT INC CC/INTER | Other fees Service code 99 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | $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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $109K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $109K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 250 | $226K |
| Other | HCC LIFE INSURANCE COMPANY | 250 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
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.