| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170K | $27K | $197K | 24.83% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICE LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $337 | $33K | 4.13% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $234 | $23K | 2.88% |
| 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 | $11K | $148 | $12K | 1.46% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93K | $11K | $104K | 39.79% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 5550 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $80 | $11K | 4.08% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $108 | $10K | 3.99% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY VALENTINE LINDEMAN | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.52% |
| PETER J MACE3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.18% |
| 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 | $793 | $307 | $1K | 0.42% |
| GREGORY JAMES HODGES3 | 5775 E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 5100 POPLAR AVE SUITE 805 MEMPHIS, TN 38137 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $3K | $10K | 5.99% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 93.72% |
| PETER J MACE3 | 5775 E GLENIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | FIRST UNUM LIFE INSURANCE COMPANY | $862 | — | $862 | 69.35% |
| 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 | $653K |
| VALENTINE INSURANCE SERVICES EIN 83-0923712 INSURANCE AGENCY | Custodial (securities) Service code 19 | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | $266K |
| HST TECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $251K |
| DELTA DENTAL EIN 94-2761537 OTHER | Other fees Service code 99 | — | $123K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $103K |
| MEDWATCH EIN 16-1662117 OTHER | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $102K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Other fees Service code 99 | — | $76K |
| VITAL INCITE EIN 35-2150902 OTHER | Other fees Service code 99 | 250 W 96TH STREET SUITE 350 INIANAPOLIS, IN 46260 | $73K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 OTHER | Other fees Service code 99 | 4660 NE BELKNAP OURT SUITE 209 HILLSBORO, OR 97124 | $46K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | CONSULT A DOC WORTHINGTON, OH 43085 | $43K |
| SELERIX SYSTEMS INC EIN 80-0236699 OTHER | Other fees Service code 99 | 285 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | $24K |
| NARUS HEALTH EIN 47-4360420 OTHER | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $17K |
| CONNECTICUT GENERAL EIN 06-0303370 OTHER | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | -$4K |
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 | 5,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 157 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 286 | $1.5M |
| Dental | SIMNSA | 286 | $314K |
| Vision | VISION SERVICE PLAN | 2,459 | $199K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,138 | $619K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,134 | $481K |
| Stop-loss / reinsurancereinsurance | INTERMEDIARY INSURANCE SERVICE | 2,803 | $1.3M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,461 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,461 | — |
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.