| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS3 Filed as: LUCENT HEALTH SOLUTIONS LLC | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | LUCIENT HEALTH SOLUTIONS LLC | — | $53K | $53K | 43.84% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DRIVE STE 3 MEMPHIS, TN 38125 | LUCIENT HEALTH SOLUTIONS LLC | — | $30K | $30K | 24.62% |
| PHCS3 Filed as: MULTIPLAN | PO BOX 29380 NEW YORK, NY 10087 | LUCIENT HEALTH SOLUTIONS LLC | — | $14K | $14K | 11.18% |
| HS TECHNOLOGY SOLUTIONS3 Filed as: HS TECHNOLOGY SOLUTIONS INC. | 3857 BIRCH ST. STE 586 NEWPORT BEACH, CA 92660 | LUCIENT HEALTH SOLUTIONS LLC | — | $13K | $13K | 10.89% |
| NARUS HEALTH INC.3 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | LUCIENT HEALTH SOLUTIONS LLC | — | $7K | $7K | 5.79% |
| AMERICAN HEALTH HOLDING3 | PO BOX 360142 PITTSBURGH, PA 15250 | LUCIENT HEALTH SOLUTIONS LLC | — | $4K | $4K | 3.55% |
| CAREOPERATIVE | 330 FRANKLIN RD STE 13A-42B BRENTWOOD, TN 37027 | LUCIENT HEALTH SOLUTIONS LLC | — | $150 | $150 | 0.12% |
| SHERRI LARAE KILBURN3 | 127 BROOKSTONE PL JACKSON, TN 383051773 | UNITED OF OMAHA | $4K | — | $4K | 10.00% |
| SHERRI LARAE KILBURN3 | 127 BROOKSTONE PL JACKSON, TN 38305 | UNITED OF OMAHA | $1K | — | $1K | 15.00% |
| HEALTH PARTNERS | 1804 HWY 45 BYPASS STE 400 JACKSON, TN 38305 | COMPANION LIFE OF COLOMBIA | — | — | $0 | — |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA | 269 | $39K |
| Short-term disability | UNITED OF OMAHA | 269 | $39K |
| Long-term disability | UNITED OF OMAHA | 269 | $39K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLOMBIA | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.