| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $191K | $34K | $226K | 27.49% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $3K | $98K | 11.91% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $10K | $88K | 10.71% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICE LLC | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.16% |
| ASSUREDPARTNERS3 Filed as: BENFIT COMMUNICATIONS INC | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100K | $13K | $112K | 43.44% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43K | $1K | $44K | 17.02% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $15K | 5.70% |
| PETER J MACE3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 3.85% |
| GREGORY JAMES HODGES3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.18% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY VALENTINE LINDEMAN | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.04% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.03% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | HYATT LEGAL PLANS | $2K | $592 | $3K | 9.67% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICS LLC | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | HYATT LEGAL PLANS | $1K | — | $1K | 5.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS EIN 39-1997579 CONTRACT ADMIN. | Claims processing Service code 12 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $596K |
| HS TECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $221K |
| JAS D COLLIER & COMPANY EIN 62-0632599 INSURANCE AGENT | Custodial (securities) Service code 19 | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | $150K |
| VALENTINE INSURANCE SERVICES INSURANCE AGENCY | Custodial (securities) Service code 19 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | $107K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $98K |
| MEDWATCH EIN 16-1662117 OTHER | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $90K |
| DELTA DENTAL EIN 94-2761537 OTHER | Other fees Service code 99 | — | $84K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Other fees Service code 99 | — | $69K |
| VITAL INCITE EIN 35-2150902 OTHER | Other fees Service code 99 | 250 W 96TH STREET SUITE 350 INIANAPOLIS, IN 46260 | $67K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | CONSULT A DOC WORTHINGTON, OH 43085 | $38K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 OTHER | Other fees Service code 99 | 4660 NE BELKNAP OURT SUITE 209 HILLSBORO, OR 97124 | $36K |
| CONNECTICUT GENERAL EIN 06-0303370 OTHER | Other fees Service code 99 | POBOX 645014 CINCINNATI, OH 45264 | $17K |
| NOVANET EIN 58-2106226 OTHER | Other fees Service code 99 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | $34 |
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 | 3,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 212 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 108 | $891K |
| Vision | VISION SERVICE PLAN | 2,008 | $166K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,578 | $625K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,579 | $402K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICE | 2,293 | $1.1M |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,659 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,659 | — |
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.