| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $327 | $9K | 20.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| ASSUREX3 | 175 SOUTH 3RD STREET COLUMBUS, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $222 | $3K | 10.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $78 | $1K | 10.76% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $519 | $0 | $519 | 5.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, AL 29201 | UNUM INSURANCE COMPANY | $267 | $23 | $290 | 8.16% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY | $267 | $14 | $281 | 7.90% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIE, SC 29206 | UNUM INSURANCE COMPANY | $178 | $0 | $178 | 5.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, AL 29201 | UNUM INSURANCE COMPANY | $271 | $15 | $286 | 9.65% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY | $271 | $15 | $286 | 9.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIG TREE MEDICAL HOME LLC FAC ACCESS | Other fees Service code 99 | 200 CORPORATE LAKE DR COLUMBIA, SC 65203 | $99K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMIN | Other fees Service code 99 | 5560W GRANDE MARKET DR APPLETON, WI 54913 | $39K |
| MAGELLAN RX MANAGEMENT LLC EIN 46-3708039 PHARMACY BENEFIT MANAGER | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $25K |
| HEALTHJOY LLC EIN 46-5722012 MAP | Other fees Service code 99 | PO BOX 776932 CHICAGO, IL 60677 | $14K |
| HEALTHLINK EIN 43-1364135 PPO CHARGE | Other fees Service code 99 | PO BOX 6501 CAROL STREAM, IL 60197 | $13K |
| NARUS HEALTH INC. EIN 47-1929604 U/R | Other fees Service code 99 | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | $6K |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 139 | $29K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 139 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 49 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 131 | $175K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 50 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.