| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER III | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $27K | $0 | $27K | 8.60% |
| JAS D COLLIER & CO DBA COLLIER INS3 Filed as: JAS. D. COLLIER &CO DBA COLLIER INS | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $706 | $0 | $706 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.57% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.51% |
| JAS D COLLIER & CO DBA COLLIER INS3 Filed as: JAS. D. COLLIER &CO DBA COLLIER INS | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $594 | $0 | $594 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.57% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.51% |
| JAS D COLLIER & CO DBA COLLIER INS3 Filed as: JAS. D. COLLIER &CO DBA COLLIER INS | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 39117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | $0 | $541 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $185 | $185 | 1.71% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.29% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $664 | $0 | $664 | 15.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $209 | $0 | $209 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $60 | $60 | 1.44% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHARN ROAD SOLON SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.89% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $718 | $0 | $718 | 20.67% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | $0 | $174 | 5.01% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.86% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHARN ROAD SOLON SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.55% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $485 | $0 | $485 | 18.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $131 | $0 | $131 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42 | $42 | 1.60% |
| BENEFIT ADVISOR NETWORK LLC3 | 6830 COCHARN ROAD SOLON SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $26 | $26 | 0.99% |
| JAS D COLLIER & CO DBA COLLIER INS3 Filed as: JAS. D. COLLIER &CO DBA COLLIER INS | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $258 | $0 | $258 | 14.84% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $87 | $0 | $87 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $28 | $28 | 1.61% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGELAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.17% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 69 | $309K |
| Dental(2 contracts) | DELTA DENTAL OF TENNESSEE | 129 | $54K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $14K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.