| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER INSURANCE | 606 S MENDENHALL #200 MEMPHIS, TN 38117 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $0 | $12K | 8.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC EIN 39-1997579 CONTRACT ADMIN | Claims processing Service code 12 | — | $141K |
| HSTECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | — | $56K |
| BENEFIT DESIGN SPECIALISTS EIN 23-2872595 OTHER | Other fees Service code 99 | — | $26K |
| MEDWATCH EIN 16-1662117 OTHER | Other fees Service code 99 | — | $23K |
| HEALTHEOS BY MULTIPLAN, INC EIN 39-1634080 OTHER | Other fees Service code 99 | — | $23K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
| AMERICAN HEALTH HOLDING OTHER | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $15K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 OTHER | Other fees Service code 99 | — | $9K |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 360 | $31K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 482 | $137K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 482 | $174K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 482 | $56K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICE | 540 | $2.1M |
| Other | INTERMEDIARY INSURANCE SERVICE | 540 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.