| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 | PO BOX 1439 HENDERSONVILLE, TN 37077 | HCC LIFE INSURANCE COMPANY | $0 | $107K | $107K | 33.23% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | HCC LIFE INSURANCE COMPANY | — | $14K | $14K | 4.45% |
| HSTECHNOLOGY SOLUTIONS, INC3 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | HCC LIFE INSURANCE COMPANY | — | $13K | $13K | 4.07% |
| PHCS3 | 115 FIFTH AVENUE NEW YORK, NY 10003 | HCC LIFE INSURANCE COMPANY | — | $7K | $7K | 2.21% |
| THE PREVENTION GROUP3 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 1.48% |
| INTERLINK CARE MANAGEMENT3 Filed as: INTERLINK CARE MANAGEMENT, INC | 4660 N.E. BELKNAP COURT, STE 209 HILLSBORO, OR 97124 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.77% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $6K | — | $6K | 10.00% |
| JAMES D. COLLIER & COMPANY4 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $8 | $5K | 16.48% |
| RBH INSURE4 | 8130 MACON STATION DRIVE STE 114 CORDOVA, TN 38018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 0.58% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $73 | $4K | 15.26% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 360 | $59K |
| Vision | VISION SERVICE PLAN | 178 | $13K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $59K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 214 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.