| 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 LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.59% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $7K | $19K | 33.05% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 32.82% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 33.60% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 32.87% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 33.30% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $414 | $2K | 12.09% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 29.11% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 28.58% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 32.99% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $649 | $4K | 23.91% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $528 | $463 | $991 | 37.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMIN | Claims processing; Other services Service code 12 | — | $215K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $96K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $20K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $79K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $102K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $56K |
| Other(7 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.