| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & CO. | 606 S. MENDENHALL STE. 200R MEMPHIS, TN 38117 | HCC LIFE INSURANCE COMPANY | $46K | — | $46K | 9.95% |
| 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 | $54 | $25K | 12.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS, LLC EIN 39-1997579 | Insurance services Service code 23 | 5560 GRANDE MARKET DR. APPLETON, WI 54913 | $31K |
| JAS D COLLIER & CO EIN 62-0632599 AGENT | Insurance brokerage commissions and fees Service code 53 | 606 S. MENDENHALL ROAD MEMPHIS, TN 38117 | $18K |
| HS TECHNOLOGY SOLUTIONS, INC. EIN 27-1818792 | Insurance services Service code 23 | 3857 BIRCH STREET STE. 586 NEWPORT BEACH, CA 92660 | $13K |
| MEDWATCH EIN 16-1662117 | Insurance services Service code 23 | PO BOX 21796 TAMPA, FL 33630 | $11K |
| HEALTHEOS EIN 39-1634080 | Insurance services Service code 23 | PO BOX 29380 NEW YORK, NY 100879380 | $5K |
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. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $197K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $197K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $197K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $197K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 102 | $465K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
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.