| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $819K | $0 | $819K | — |
| RBH INSURE Filed as: RBH.INSURE | 5100 POPLAR AVE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES LLC | STE 805 5100 POPLAR AVE MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | — |
| VALETINE INSURANCE SERVICES, LLC | 5100 POPLAR AVE STE 805 MEMPHIS, TN 38137 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | — |
| JAS D COLLIER & CO | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES LLC | 5100 POPLAR AVE STE 805 MEMPHIS, TN 38137 | AMERITAS LIFE INSURANCE CORP | $13K | — | $13K | — |
| JAS D COLLIER & CO Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | — |
| HEALTH COST SOLUTIONS, INC. Filed as: HEALTH COST SOLUTIONS | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $118K | $118K | — |
| INNOVATIVE BENEFIT CONSULTANTS Filed as: INNOVATIVE CARE MANAGEMENT | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $20K | $20K | — |
| HSTECHNOLOGY SOLUTIONS, INC Filed as: HSTECHNOLOGY SOLUTIONS INC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $17K | $17K | — |
| PHCS | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $9K | $9K | — |
| INNERLINK CARE MANAGEMENT, INC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $4K | $4K | — |
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 | 495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 218 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP | 410 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP | 410 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.