| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS5 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | COMPANION LIFE OF COLUMBIA, SC | $98K | — | $98K | 5.24% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | COMPANION LIFE OF COLUMBIA, SC | $59K | — | $59K | 3.13% |
| HS TECHNOLOGY SOLUTIONS0 | 3857 BIRCH STREET, SUITE 586 NEWPORT BEACH, CA 92660 | COMPANION LIFE OF COLUMBIA, SC | $50K | — | $50K | 2.69% |
| NARUS HEALTH INC.0 Filed as: NARUS HEALTH | 424 CHURCH STREET, SUITE 2300 NASHVILLE, TN 37219 | COMPANION LIFE OF COLUMBIA, SC | $16K | — | $16K | 0.88% |
| AMERICAN HEALTH HOLDING0 | P O BOX 360142 PITTSBURG, PA 152506142 | COMPANION LIFE OF COLUMBIA, SC | $10K | — | $10K | 0.53% |
| PHCS0 Filed as: HEALTHEOS | P O BOX 29380 NEW YORK, NY 100879380 | COMPANION LIFE OF COLUMBIA, SC | $9K | — | $9K | 0.48% |
| SAINT FRANCIS HOSPITAL0 | 5959 PARK AVENUE MEMPHIS, TN 38119 | COMPANION LIFE OF COLUMBIA, SC | $8K | — | $8K | 0.44% |
| HEALTH SMART PREFERRED NETWORK0 Filed as: HEALTH SMART | P O BOX 207102 DALLAS, TX 753207120 | COMPANION LIFE OF COLUMBIA, SC | $4K | — | $4K | 0.23% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | P O BOX 387 ARLINGTON, TN 38002 | COMPANION LIFE OF COLUMBIA, SC | $4K | — | $4K | 0.22% |
| ALABAMA PREMIER NETWORK0 | 699 A GALLATIN STREET HUNTSVILLE, AL 35801 | COMPANION LIFE OF COLUMBIA, SC | $2K | — | $2K | 0.09% |
| MEDWATH LLC0 | P O BOX 21796 TAMPA, FL 33630 | COMPANION LIFE OF COLUMBIA, SC | $3 | — | $3 | 0.00% |
| 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 | $44K | $2K | $46K | 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 | $16K | $780 | $16K | 15.74% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $462 | $3K | 12.00% |
| PREMIERE HEALTHCARE EXCHANGE0 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | STARMOUNT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALABAMA PREMIER NETWORK0 | 699 A GALLATIN STREET HUNTSVILLE, AL 35801 | STARMOUNT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE OF COLUMBIA, SC | 337 | $1.9M |
| Dental | COMPANION LIFE OF COLUMBIA, SC | 337 | $1.9M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 235 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 435 | $398K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 435 | $293K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 435 | $293K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 337 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.