| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.5 | PO BOX 1439 HENDERSONVILLE, TN 37077 | INTERMEDIARY INSURANCE SERVICES, INC. | $56K | $160K | $217K | 35.15% |
| INNOVATIVE BENEFIT PLANNING, LLC0 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $23K | $23K | 3.74% |
| HSTECHNOLOGY SOLUTIONS, INC0 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $23K | $23K | 3.72% |
| PHCS0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $11K | $11K | 1.74% |
| INTERLINK CARE MANAGEMENT0 Filed as: INTERLINK CARE MANAGEMENT, INC | 4660 N.E. BELKNAP COURT, STE 209 HILLSBORO, OR 97124 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $4K | $4K | 0.71% |
| THE PREVENTION GROUP9 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $3K | $3K | 0.42% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | AMERITAS LIFE INSURANCE CORP | $11K | — | $11K | 10.00% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.22% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.75% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.44% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38137 | VISION SERVICE PLAN | $2K | — | $2K | 9.22% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $859 | — | $859 | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $859 | — | $859 | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 44.99% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXIT MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 44.99% |
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 | 446 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 446 | $111K |
| Vision | VISION SERVICE PLAN | 33 | $21K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 356 | $115K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $40K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | INTERMEDIARY INSURANCE SERVICES, INC. | 232 | $623K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.