| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S. MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | DELTA DENTAL OF TENNESSEE | $11K | $0 | $11K | 6.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10 BLOOMSBURY COURT ALGONQUIN, IL 60102 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 3.47% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 6.81% |
| SCHNEIDER, JOHN3 | 210 CARDEN AVE NASHVILLE, TN 37205 | AMERICAN HERITAAGE LIFE INSURANCE COMPLANY | $4K | $0 | $4K | 7.14% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | AMERICAN HERITAAGE LIFE INSURANCE COMPLANY | $4K | $0 | $4K | 7.14% |
| SCHNEIDER, JOHN3 | 210 CAMDEN AVE NASHVILLE, TN 37205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.17% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.09% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL ROAD STE 200 MEMPHIS, TN 38117 | EYE MED | $2K | $0 | $2K | 8.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | BRENTWOOD, TN BRENTWOOD, TN 37027 | EYE MED | $560 | — | $560 | 1.82% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 606 | $167K |
| Vision | EYE MED | 475 | $31K |
| Life insurance | AMERICAN HERITAAGE LIFE INSURANCE COMPLANY | 115 | $56K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $160K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAAGE LIFE INSURANCE COMPLANY | 187 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.