| 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 | $28K | $207 | $28K | 9.91% |
| 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 | $83K |
| LUCENT HEALTH SOLUTIONS ADMIN | Contract Administrator; Claims processing Service code 12 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $65K |
| MULTIPLAN REF BASEPR | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $39K |
| MEDWATCH LLC U/R | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $26K |
| KISX CARD LLC MED TOUR | Other fees Service code 99 | 1 KACEY COURT, STE. 100 MECHANICSBURG, PA 17055 | $15K |
| HEALTHEOS PPO CHARGE | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $12K |
| TELADOC INC. ALT CARE | Other fees Service code 99 | PO BOX 123417 DALLAS, TX 75312 | $7K |
| INTERLINK CARE MANAGEMENT INC. CC/INTER | Other fees Service code 99 | 4660 NE BELKNAP CT. 209 HILLSBORO, OR 97124 | $5K |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $281K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $281K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $281K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $281K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $281K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 292 | $269K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.