| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC. Filed as: HEALTH COST SOLUTIONS, LLC | PO BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | — | $174K | $174K | 28.81% |
| INNOVATIVE BENEFIT PLANNING, LLC Filed as: INNOVATIVE CARE MANAGEMENT | — | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | — | $52K | $52K | 8.67% |
| HSTECHNOLOGY SOLUTIONS, INC Filed as: HSTECHNOLOGY SOLUTIONS, INC. | — | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | — | $44K | $44K | 7.21% |
| PHCS | — | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | — | $24K | $24K | 3.92% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER INSURANCE & CO. | 606 S. MENDENHALL 200 MEMPHIS, TN 38117 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 3.60% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 461 | $304K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 461 | $304K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 461 | $304K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK/GERBER LIFE INSURANCE COMPANY | 510 | $605K |
| Other | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 461 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.