| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $331 | $30K | 9.10% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.99% |
| JAS D COLLIER & CO3 | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $736 | $736 | 3.17% |
| JAS D COLLIER & CO3 | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $466 | $466 | 3.06% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $134 | $0 | $134 | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $40 | $40 | 2.98% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $335K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $335K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $15K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.