| 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 | 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 | $38K | $6K | $45K | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS, LLC EIN 39-1997579 ADMIN | Insurance services Service code 23 | 5560 GRANDE MARKET DR. APPLETON, WI 54913 | $39K |
| JAS D COLLIER & CO EIN 62-0632599 AGENT | Insurance brokerage commissions and fees Service code 53 | 606 S. MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | $20K |
| MULTIPLAN EIN 13-3068979 REF BASEPR | Insurance services Service code 23 | PO BOX 29380 NEW YORK, NY 10087 | $17K |
| NARUS HEALTH, INC. EIN 47-1929604 U/R | Insurance services Service code 23 | 424 CHURCH ST. STE. 2300 NASHVILLE, TN 37219 | $6K |
| EMPLOYER ADVISORY SERVICES LLC FAC ACCESS | Insurance services Service code 23 | PO BOX 3610 KINGSPORT, TN 37664 | $2K |
| SAINT FRANCIS HOSPITAL FAC ACCESS | Insurance services Service code 23 | 5959 PARK AVENUE MEMPHIS, TN 38119 | $2K |
| PRIME HEALTH SERVICES INC. PPO CHARGE | Insurance services Service code 23 | 331 MALLORY STATION RD. FRANKLIN, TN 37067 | $345 |
| HEALTHEOS EIN 39-1634080 PPO CHARGE | Insurance services Service code 23 | PO BOX 29380 NEW YORK, NY 10087 | $286 |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $300K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $300K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $300K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $300K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 144 | $458K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.