| 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 | 9.91% |
| HEALTH PLANS, INC.5 Filed as: HEALTH PLANS INC | P O BOX 5199 WESTBOROUGH, MA 01581 | HEALTH PLANS INC | — | $96K | $96K | 4.38% |
| PHCS0 Filed as: MULTIPLAN INC | — | HEALTH PLANS INC | — | $61K | $61K | 2.81% |
| MEDWATCH LLC0 Filed as: MEDWATCH, LLC | — | HEALTH PLANS INC | — | $38K | $38K | 1.71% |
| EHN-EMPLOYERS HEALTH NETWORK0 | 1212 CORPORATE DRIVE SUITE 225 IRVING, TX 75038 | HEALTH PLANS INC | — | $25K | $25K | 1.14% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO INC | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | HEALTH PLANS INC | — | $21K | $21K | 0.95% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | — | HEALTH PLANS INC | — | $2K | $2K | 0.08% |
| ZELIS HEALTHCARE INC0 Filed as: ZELIS HEALTHCARE | — | HEALTH PLANS INC | — | $4 | $4 | 0.00% |
| ZELIS HEALTHCARE INC0 | P O BOX 412612 BOSTON, MA 02241 | HEALTH PLANS INC | — | $4 | $4 | 0.00% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | 525 WEST 5TH STREET COVINGTON, KY 41011 | HEALTH PLANS INC | — | — | $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 | $27K | $5K | $32K | 17.72% |
| 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 | $3K | $21K | 17.84% |
| 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 | $806 | $5K | 17.88% |
| 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 | $432 | $3K | 11.60% |
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 | 437 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH PLANS INC | 506 | $4.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $120K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $179K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HEALTH PLANS INC | 506 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.