| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & CO. | 606 S. MENDENHALL, SUITE 200 MEMPHIS, TN 38117 | HCC LIFE INSURANCE COMPANY | $52K | $0 | $52K | 9.55% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFITS SERVICES, LLC | 5660 UNIVERSITY PARKWAY 5TH FLOOR WS, NC 27105 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S. MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 12.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 26-0529453 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | 5660 UNIVERSITY PARKWAY 5TH FLOOR WS, NC 27105 | $51K |
| VOLTAIRE HEALTH EIN 46-2047081 | Other services Service code 49 | 5800 GRANITE PKWY, STE. 450 PLANO, TX 75024 | $22K |
| COLLIER INSURANCE EIN 62-0632599 AGENT | Insurance brokerage commissions and fees Service code 53 | 606 S. MENDENHALL ROAD MEMPHIS, TN 38117 | $16K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $207K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $207K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $207K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $207K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 135 | $548K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
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.