| 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 | $31K | $130K | $161K | 57.56% |
| HSTECHNOLOGY SOLUTIONS, INC3 | 9551 IRVINE CENTER DRIVE IRVINE, CA 92618 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $32K | $32K | 11.57% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $18K | $18K | 6.27% |
| PHCS3 | 115 FIFTH AVENUE NEW YORK, NY 10003 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $9K | $9K | 3.34% |
| COLLIER INSURANCE3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $5K | $5K | 1.78% |
| CIGNA3 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $4K | $4K | 1.61% |
| THE PREVENTION GROUP3 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $4K | $4K | 1.54% |
| INTERLINK CARE MANAGEMENT3 Filed as: INTERLINK CARE MANAGEMENT, INC | 4660 N.E. BELKNAP COURT, STE 209 HILLSBORO, OR 97124 | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | — | $3K | $3K | 1.16% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 10.00% |
| JAMES D. COLLIER & COMPANY | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 64.77% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $982 | $5K | 18.36% |
| 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 | USABLE LIFE | $341 | — | $341 | 9.28% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $267 | — | $267 | 7.27% |
| HARRY STANSBURY3 | 57 BAILEY WOODS LANE #202 COLLIERVILLE, TN 38017 | USABLE LIFE | $74 | — | $74 | 2.01% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | USABLE LIFE | $23 | — | $23 | 9.91% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $19 | — | $19 | 8.19% |
| HARRY STANSBURY3 | 57 BAILEY WOODS LANE #202 COLLIERVILLE, TN 38017 | USABLE LIFE | $5 | — | $5 | 2.16% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 391 | $93K |
| Vision | VISION SERVICE PLAN | 193 | $17K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $60K |
| Stop-loss / reinsurancereinsurance | PHOENIX EXCESS RISK UNDERWRITER/GERBER LIFE | 216 | $280K |
| Other | USABLE LIFE | 14 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.