| 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 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $3K | $19K | 13.58% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 11.93% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 23.05% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $992 | $13K | 27.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER & CO. EIN 62-0632599 AGENT FEES | Insurance agents and brokers Service code 22 | — | $184K |
| LUCENT HEALTH SOLUTIONS LLC CLAIMS PROCESSING | Claims processing Service code 12 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $117K |
| CONNECTICUT GENERAL LIFE INS. OTHER FEES | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $96K |
| HEALTHJOY LLC OTHER FEES | Other fees Service code 99 | 435 LA SALLE, 5TH FLOOR CHICAGO, IL 60654 | $39K |
| INNOVU LLC OTHER FEES | Other fees Service code 99 | 2403 SIDNEY ST., STE. 225 PITTSBURGH, PA 15203 | $23K |
| NARUS HEALTH INC. CONCIERGE OTHER FEES | Other fees Service code 99 | 424 CHURCH ST., STE. 2300 NASHVILLE, TN 37219 | $10K |
| INTERLINK CARE MANAGEMENT INC. OTHER FEES | Other fees Service code 99 | 4660 NE BELKNAP CT 209 HILLSBORO, OR 97124 | $8K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $6K |
| CAREOPERATIVE LLC OTHER FEES | Other fees Service code 99 | 330 FRANKLIN RD., STE. 13A-42B BRENTWOOD, TN 37027 | $3K |
| KISX CARD LLC OTHER FEES | Other fees Service code 99 | 1 KACEY COURT, STE. 100 MECHANICSBURG, PA 17055 | $24 |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 401 | $141K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 401 | $141K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $102K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $102K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.