| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | $0 | $53K | — |
| HEALTH COST SOLUTIONS, INC. Filed as: HEALTH COST SOLUTIONS | PO BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RSIK UNDERWRITERS/GERBER LIFE | — | $96K | $96K | — |
| HSTECHNOLOGY SOLUTIONS, INC Filed as: HSTECHNOLOGY SOLUTIONS, LLC | — | PHOENIX EXCESS RSIK UNDERWRITERS/GERBER LIFE | — | $18K | $18K | — |
| MEDWATCH LLC Filed as: MEDWATCH, LLC | — | PHOENIX EXCESS RSIK UNDERWRITERS/GERBER LIFE | — | $15K | $15K | — |
| PHCS | — | PHOENIX EXCESS RSIK UNDERWRITERS/GERBER LIFE | — | $9K | $9K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | AMERITAS LIFE INSURANCE CORP | $17K | — | $17K | — |
| VALENTINE INSURANCE SERVICES, LLC Filed as: VALENTINE INSURANCE SERVICES | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $17K | $576 | $18K | — |
| RBH INSURE Filed as: RBH.INSURE | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $9K | — | $9K | — |
| JAS D COLLIER & CO | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM INSURANCE COMPANY OF AMERICA | $743 | — | $743 | — |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHOENIX EXCESS RSIK UNDERWRITERS/GERBER LIFE | 199 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP | 426 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP | 426 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $0 |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $0 |
| Other | UNUM INSURANCE COMPANY OF AMERICA | 341 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.