| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 Filed as: CYPRESS BENEFIT ADMINITRATORS, LLC | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | INTERMEDIARY INSURANCE SERVICE | $13K | $92K | $105K | 5.43% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO, INC | 606 S. MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | INTERMEDIARY INSURANCE SERVICE | — | $48K | $48K | 2.48% |
| HS TECHNOLOGY SOLUTIONS0 | 3857 BIRCH STREET, SUITE 586 NEWPORT BEACH, CA 92660 | INTERMEDIARY INSURANCE SERVICE | — | $36K | $36K | 1.86% |
| MEDWATCH LLC0 Filed as: MEDWATCH | P. O. BOX 21796 TAMPA, FL 33630 | INTERMEDIARY INSURANCE SERVICE | — | $14K | $14K | 0.73% |
| PHCS0 Filed as: HEALTHEOS BY MULTIPLAN, INC | P. O. BOX 29380 NEW YORK, NY 10087 | INTERMEDIARY INSURANCE SERVICE | — | $10K | $10K | 0.51% |
| AMERICAN HEALTH HOLDINGS0 Filed as: AMERICAN HEALTH HOLDINGS, INC. | 7400 W CAMPUS ROAD, F-510 NEW ALBANY, OH 43054 | INTERMEDIARY INSURANCE SERVICE | — | $10K | $10K | 0.50% |
| HEALTH SMART PREFERRED NETWORK0 Filed as: HEALTH SMART | P. O. BOX 207102 DALLAS, TX 75320 | INTERMEDIARY INSURANCE SERVICE | — | $5K | $5K | 0.24% |
| PREMIERE HEALTHCARE EXCHANGE0 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | INTERMEDIARY INSURANCE SERVICE | — | $906 | $906 | 0.05% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO., INC. | 606 S. MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $26K | 15.75% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO, INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $698 | $15K | 15.75% |
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 | 457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERMEDIARY INSURANCE SERVICE | 364 | $1.9M |
| Dental | INTERMEDIARY INSURANCE SERVICE | 364 | $1.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $164K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICE | 364 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.