| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMEDIARY INSURANCE SERVICES INC0 | 731 SANSOME STREET SAN FRANCISCO, CA 94111 | HEALTH PLANS INC | — | $217K | $217K | 12.35% |
| HEALTH PLANS, INC.5 Filed as: HEALTH PLANS INC | P O BOX 5199 WESTBOROUGH, MA 01581 | HEALTH PLANS INC | — | $90K | $90K | 5.14% |
| PHCS0 Filed as: MULTIPLAN INC | P O BOX 29372 NEW YORK, NY 10087 | HEALTH PLANS INC | — | $55K | $55K | 3.12% |
| MEDWATCH LLC0 Filed as: MEDWATCH | P O BOX 21796 TAMPA, FL 33630 | HEALTH PLANS INC | — | $32K | $32K | 1.81% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | HEALTH PLANS INC | — | $20K | $20K | 1.14% |
| ZELIS HEALTHCARE INC0 | P O BOX 412612 BOSTON, MA 02241 | HEALTH PLANS INC | — | $4K | $4K | 0.24% |
| ALABAMA PREMIER NETWORK0 | P O BOX 18788 HUNTSVILLE, AL 35804 | HEALTH PLANS INC | — | $3K | $3K | 0.15% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | 525 WEST 5TH STREET COVINGTON, KY 41011 | HEALTH PLANS INC | — | $2K | $2K | 0.10% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO, INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $6K | $27K | 19.47% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $6K | $24K | 20.26% |
| HEALTH SMART PREFERRED NETWORK0 Filed as: HEALTH SMART | P O BOX 207102 DALLAS, TX 753207120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | P O BOX 387 ARLINGTON, TN 38002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALABAMA PREMIER NETWORK0 | 699 A GALLATIN STREET HUNTSVILLE, AL 35801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MEDWATH LLC0 | P O BOX 21796 TAMPA, FL 33630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $20K | 19.66% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER & CO INC | 606 S MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $656 | $3K | 12.60% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO., INC. | 606 S. MENDENHALL ROAD, SUITE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.22% |
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 | 414 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLANS INC | 491 | $1.8M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $25K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $145K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $99K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $137K |
| Stop-loss / reinsurancereinsurance | HEALTH PLANS INC | 491 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.