| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.5 | PO BOX 1439 HENDERSONVILLE, TN 37077 | INTERMEDIARY INSURANCE SERVICES, INC. | $67K | $159K | $226K | 37.04% |
| HSTECHNOLOGY SOLUTIONS, INC0 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $32K | $32K | 5.28% |
| INNOVATIVE BENEFIT PLANNING, LLC0 Filed as: INNOVATIVE CARE MANAGEMENT | PO BOX 22386 PORTLAND, OR 97269 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $24K | $24K | 4.01% |
| PHCS0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $11K | $11K | 1.86% |
| THE PREVENTION GROUP0 | 1714 WEST MASSEY ROAD MEMPHIS, TN 38120 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $6K | $6K | 1.01% |
| INTERLINK CARE MANAGEMENT0 Filed as: INTERLINK CARE MANAGEMENT, INC | 4660 N.E. BELKNAP COURT, STE 209 HILLSBORO, OR 97124 | INTERMEDIARY INSURANCE SERVICES, INC. | — | $5K | $5K | 0.77% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $13K | — | $13K | 10.00% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| RBH INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| RBH INSURE3 | 8130 MACON STATION DRIVE STE 114 CORDOVA, TN 38018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.05% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.02% |
| JAMES D. COLLIER & COMPANY3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.28% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| RBH INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| RBH INSURE3 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 26.72% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 26.72% |
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 | 364 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 429 | $126K |
| Vision | AMERITAS LIFE INSURANCE CORP | 429 | $126K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $138K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $50K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICES, INC. | 211 | $610K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.