| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS, LLC | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $31K | $112K | $143K | 51.20% |
| HSTECHNOLOGY SOLUTIONS, INC3 Filed as: HSTECHNOLOGY SOLUTIONS, INC. | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $21K | $21K | 7.51% |
| RISK STRATEGIES COMPANY3 Filed as: RISK SOLUTIONS CAPTIVE | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $18K | $18K | 6.53% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: INNOVATIVE CARE MANAGEMENT | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $16K | $16K | 5.82% |
| AMERICAN HEALTH DATA INSTITUTE3 Filed as: AMERICAN HEALTH DATA INSTITUTUE | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $14K | $14K | 4.90% |
| PHCS3 | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $11K | $11K | 4.08% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | METROPLOITAN LIFE INSURANCE COMPANY | $6K | $11K | $17K | 14.23% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DR MEMPHIS, TN 38125 | METROPLOITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 8.43% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC DB | STE 3300 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 12.49% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERV | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 3.94% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC DB | STE 3300 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.73% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERV | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.82% |
| SMITH III, ORMA R3 Filed as: SMITH, ORMA, RINEHART | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 43.64% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.30% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.37% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.31% |
| TIMOTHY CLENNEY3 | PO BOX 562 PARSONS, TN 38363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| CODY B WHITEHEAD3 Filed as: CODY WHITEHEAD | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DRIVE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| LORI R GRIZZELL3 Filed as: LORI GRIZZELL | 1069 S HEWITT ROAD BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN DYERSBURG, TN 38024 | COLONIAL LIFE | $137 | — | $137 | 1.52% |
| LINDA R MARCUM3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $81 | — | $81 | 0.90% |
| ROBERT E HIGDON3 | 1016 VENUS DRIVE LAWRENCEBURG, KY 40342 | COLONIAL LIFE | $45 | — | $45 | 0.50% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE | $19 | — | $19 | 0.21% |
| BETTY C HAYNES3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $19 | — | $19 | 0.21% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE | $16 | — | $16 | 0.18% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE | $10 | — | $10 | 0.11% |
| JOSEPH L GREENE3 Filed as: JOSEPH L. GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE | $9 | — | $9 | 0.10% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE | $5 | — | $5 | 0.06% |
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 | 587 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $119K |
| Vision | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $119K |
| Life insurance(4 contracts, 4 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $315K |
| Short-term disability(3 contracts, 3 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $306K |
| Long-term disability(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $204K |
| Other | METROPLOITAN LIFE INSURANCE COMPANY | 587 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.