| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 | PO BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | $28K | $100K | $128K | 49.94% |
| CIGNA3 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $28K | $28K | 10.79% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $5K | $5K | 1.96% |
| THE PREVENTION GROUP3 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $4K | $4K | 1.67% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNION SECURITY INSURANCE COMPANY | $8K | $63 | $8K | 10.17% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNION SECURITY INSURANCE COMPANY | $5K | $32 | $5K | 17.11% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNION SECURITY INSURANCE COMPANY | $5K | $20 | $5K | 19.14% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | FIDELITY SECURITY LIFE INSURANCE | $2K | $2K | $5K | 29.51% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 19.91% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 175 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 170 | $83K |
| Vision | VISION SERVICE PLAN | 175 | $17K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 104 | $29K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 165 | $272K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 43 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.