| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS5 Filed as: LUCENT HEALTH SOLUTIONS LLC | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | COMPANION LIFE INS CO | — | $23K | $23K | 12.60% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | COMPANION LIFE INS CO | — | $21K | $21K | 11.77% |
| HS TECHNOLOGY SOLUTIONS0 Filed as: HS TECHNOLOGY | 3857 BIRCH ST. STE 586 NEWPORT BEACH, CA 92660 | COMPANION LIFE INS CO | — | $10K | $10K | 5.45% |
| NARUS HEALTH INC.0 Filed as: NARUS HEALTH INC - CONCIERGE | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | COMPANION LIFE INS CO | — | $6K | $6K | 3.06% |
| NARUS HEALTH INC.0 Filed as: NARUS HEALTH INC - CORE SERVICE | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | COMPANION LIFE INS CO | — | $4K | $4K | 2.12% |
| PHCS0 Filed as: MULITPLAN INC | PO BOX 29372 NEW YORK, NY 10087 | COMPANION LIFE INS CO | — | $4K | $4K | 2.07% |
| NARUS HEALTH INC.0 Filed as: NARUS HEALTH INC | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | COMPANION LIFE INS CO | — | $3K | $3K | 1.88% |
| HS TECHNOLOGY SOLUTIONS0 Filed as: HS TECHNOLOGY SENTRY | 3857 BIRCH ST. STE 586 NEWPORT BEACH, CA 92660 | COMPANION LIFE INS CO | — | $2K | $2K | 1.07% |
| HEALTHCARE BLUEBOOK, INC0 Filed as: HEALTHCARE BLUEBOOK INC | 330 FRANKLING RD STE 135A BRENTWOOD, TN 37027 | COMPANION LIFE INS CO | — | $103 | $103 | 0.06% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $169 | $2K | 8.28% |
| RBH INSURE3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | $80 | $1K | 8.11% |
| RBH INSURE3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $664 | — | $664 | 10.00% |
| VALENTINE INSURANCE SERVICES, LLC3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | $32 | $345 | 8.27% |
| RBH INSURE3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | — | $313 | 7.50% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $277 | $76 | $353 | 9.55% |
| RBH INSURE3 | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $277 | — | $277 | 7.49% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | METROPOLITAN GENERAL INSURANCE COMPANY | $189 | — | $189 | 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 | 477 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $24K |
| Vision | AMERITAS LIFE INSURANCE CORP | 477 | $7K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $4K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO | 273 | $181K |
| Other | METROPOLITAN GENERAL INSURANCE COMPANY | 30 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.