| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.5 | PO BOX 1439 HENDERSONVILLE, TN 37077 | HCC LIFE INSURANCE COMPANY | — | $161K | $161K | 32.75% |
| INNOVATIVE BENEFIT PLANNING, LLC0 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | HCC LIFE INSURANCE COMPANY | — | $22K | $22K | 4.41% |
| HSTECHNOLOGY SOLUTIONS, INC0 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | HCC LIFE INSURANCE COMPANY | — | $19K | $19K | 3.96% |
| PHCS0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | HCC LIFE INSURANCE COMPANY | — | $11K | $11K | 2.15% |
| THE PREVENTION GROUP0 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | HCC LIFE INSURANCE COMPANY | — | $6K | $6K | 1.13% |
| INTERLINK CARE MANAGEMENT0 Filed as: INTERLINK CARE MANAGEMENT, INC | 4660 N.E. BELKNAP COURT, STE 209 HILLSBORO, OR 97124 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.75% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 9.14% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | AMERITAS LIFE INSURANCE CORP | $801 | — | $801 | 0.86% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $68 | $4K | 7.03% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.95% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 1.13% |
| RBH INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.03% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $38 | $2K | 6.84% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $411 | — | $411 | 1.24% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $46 | $3K | 10.74% |
| RBH INSURE3 | 8130 MACON STATION DRIVE STE 114 CORDOVA, TN 38018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.09% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $37 | $2K | 6.97% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.93% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $388 | — | $388 | 1.22% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $26 | $2K | 7.04% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | — | $282 | 1.13% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | VISION SERVICE PLAN | $301 | — | $301 | 1.71% |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 385 | $93K |
| Vision | VISION SERVICE PLAN | 182 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $84K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $33K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 241 | $492K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.