| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 10.14% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $11K | $16K | 7.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER & CO. EIN 62-0632599 AGENT FEES | Insurance agents and brokers Service code 22 | — | $59K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $35K |
| CONNECTICUT GENERAL LIFE INS. EIN 60-0303370 PPO CHARGE | Other fees Service code 99 | — | $28K |
| HEALTHJOY LLC EIN 46-5722012 MAP | Other fees Service code 99 | — | $11K |
| MARQ LLC MED ADMIN | Consulting (general) Service code 16 | 1142 HANOVER AVENUE NORFOLK, VA 23508 | $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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 146 | $267K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.