| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEITH ALLEN JAMES & KEITH JAMES3 | 6750 POPLAR AVE STE 208 MEMPHIS, TN 38138 | HEALTH OPTIONS, INC. | $37K | — | $37K | 4.00% |
| JEITH ALLEN JAMES & KEITH JAMES3 | 6750 POPLAR AVE STE 208 MEMPHIS, TN 38138 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 4.00% |
| KEITH A. JAMES3 Filed as: KEITH ALLEN JAMES | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.74% |
No Schedule C service providers reported on this filing.
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 130 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 166 | $50K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 130 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.