| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY0 Filed as: HCC LIFE | 22 TOWNPARK DRIVE KENNESAW, GA 30144 | HEALTH PLANS INC | — | $225K | $225K | 8.62% |
| HEALTH PLANS, INC.5 Filed as: HEALTH PLANS INC | P O BOX 5199 WESTBOROUGH, MA 01581 | HEALTH PLANS INC | — | $101K | $101K | 3.86% |
| PHCS0 Filed as: MULTIPLAN INC | — | HEALTH PLANS INC | — | $61K | $61K | 2.33% |
| MEDWATCH LLC0 Filed as: MEDWATCH, LLC | — | HEALTH PLANS INC | — | $37K | $37K | 1.42% |
| EHN-EMPLOYERS HEALTH NETWORK0 | 1212 CORPORATE DRIVE SUITE 225 IRVING, TX 75038 | HEALTH PLANS INC | — | $25K | $25K | 0.95% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D. COLLIER & CO INC | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | HEALTH PLANS INC | — | $21K | $21K | 0.79% |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | — | HEALTH PLANS INC | — | $2K | $2K | 0.07% |
| ZELIS HEALTHCARE INC0 Filed as: ZELIS HEALTHCARE | — | 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 | $28K | $6K | $33K | 18.24% |
| 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 | $20K | $4K | $24K | 18.12% |
| 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 | $4K | $22K | 18.29% |
| 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 | 18.69% |
| ZELIS HEALTHCARE INC0 | P O BOX 412612 BOSTON, MA 02241 | HEALTH PLANS INC | — | — | $0 | — |
| EMPLOYER BENEFITS CONSULTING LLC0 Filed as: EMPLOYER ADVISORY SERVICES | 525 WEST 5TH STREET COVINGTON, KY 41011 | HEALTH PLANS INC | — | — | $0 | — |
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)(2 contracts) | HEALTH PLANS INC | 501 | $2.6M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $160K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $123K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 434 | $184K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HEALTH PLANS INC | 501 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
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.