| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT STE 330 MEMPHIS, TN 381174410 | AMERITAS LIFE INSURANCE CORP | $15K | $0 | $15K | — |
| RBH INSURE Filed as: RBH.INSURE | 555 PERKINS EXT STE 330 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES | STE 330 555 PERKINS EXT MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | — |
| JAS D COLLIER & CO | 606 S MENDENHALL STE 20 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3.7M | $0 | $3.7M | — |
| HEALTH COST SOLUTIONS, INC. Filed as: HEALTH COST SOLUTIONS, LLC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $117K | $117K | — |
| HSTECHNOLOGY SOLUTIONS, INC Filed as: HSTECHNOLOGY SOLUTIONS INC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $22K | $22K | — |
| MEDWATCH LLC Filed as: MEDWATCH, LLC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $16K | $16K | — |
| RISK STRATEGIES COMPANY Filed as: RISK SOLUTIONS CAPITAL | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $15K | $15K | — |
| PHCS | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $10K | $10K | — |
| INNERINK CARE MANAGAMENT INC | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $4K | $4K | — |
| INNOVATIVE BENEFIT CONSULTANTS Filed as: INNOVATIVE CARE TECHNOLOGY | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | -$119 | -$119 | — |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 232 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP | 495 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP | 495 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 193 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $0 |
| Other | UNUM INSURANCE COMPANY OF AMERICA | 193 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.