| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES DABNEY COLLIER II | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | — | $52K | 3.73% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | DELTA DENTAL | $472 | — | $472 | 0.58% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 19.00% |
| JAS D COLLIER & CO | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.02% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.23% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 285 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1.4M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 223 | $49K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 223 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $55K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.