| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS, LLC5 Filed as: CYPRESS BENEFIT ADMINISTRATORS LLC | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | HCC BENEFITS CORP | — | $51K | $51K | 17.14% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | HCC BENEFITS CORP | — | $49K | $49K | 16.69% |
| HSTECHNOLOGY SOLUTIONS, INC Filed as: HSTECHNOLOGY SOLUTIONS INC | 3857 BIRCH ST STE 586 NEWPORT BEACH, CA 92660 | HCC BENEFITS CORP | — | $16K | $16K | 5.51% |
| PHCS Filed as: HEALTHEOS | PO BOX 29940 NEW YORK, NY 10087 | HCC BENEFITS CORP | — | $7K | $7K | 2.33% |
| MEDWATCH LLC Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | HCC BENEFITS CORP | — | $6K | $6K | 2.17% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | HCC LIFE INSURANCE COMPANY | $28K | — | $28K | 9.89% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 12.47% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC BENEFITS CORP | 169 | $583K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.