| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM T. TYSON3 | PO BOX 770053 MEMPHIS, TN 38177 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 3.14% |
| ZOE ANDERSON3 | 11989 CAMPBELL ARLINGTON, TN 38002 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 3.14% |
| WILLIAM T. TYSON3 | PO BOX 770053 MEMPHIS, TN 38177 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $493 | $3K | 16.34% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $482 | $3K | 16.56% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER & CO. | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $904 | $218 | $1K | 12.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HPI THIRD PARTY ADMIN | Other services; Plan Administrator Service code 14 | 1500 WEST PARK DR. STE 330 WESTBOROUGH, MA 01581 | $122K |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 178 | $67K |
| Vision | VISION SERVICE PLAN | 95 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 63 | $37K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.