| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 4.22% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICE LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $1K | $94K | 16.17% |
| RBH INSURE3 Filed as: RBH.INSURE | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | — | $91K | 15.69% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $101 | $6K | 0.96% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $789 | — | $789 | 0.14% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $325 | — | $325 | 0.06% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY LINDMAN | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 3.00% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | $401 | $55K | 36.15% |
| RBH INSURE3 | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 5.71% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY VALENTINE LINDEMAN | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 0.85% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY 80 SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.10% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.08% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.07% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENDED SUITE 330 MEMPHIS, TN 38117 | HARTFORD FIRE INSURANCE COMPANY | $529 | — | $529 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CONTRACT ADMIN. | Claims processing Service code 12 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $577K |
| NARUS HEALTH EIN 47-1929604 OTHER | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $522K |
| VALENTINE INSURANCE SERVICES EIN 83-0923712 INSURANCE AGENCY | Custodial (securities) Service code 19 | 555 PERKIN EXTENDED SUITE 330 MEMPHIS, TN 38117 | $353K |
| MULTIPLAN NONE | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $178K |
| HS TECHNOLOGY SOLUTIONS EIN 27-1818792 OTHER | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $160K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Other fees Service code 99 | — | $106K |
| SELERIX SYSTEMS INC EIN 80-0236699 OTHER | Other fees Service code 99 | PO BOX 678967 DALLAS, TX 75267 | $92K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 OTHER | Other fees Service code 99 | — | $43K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $42K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $6K |
| CAREOPERATIVE LLC EIN 46-4399706 NONE | Other fees Service code 99 | 330FRANKLIN ROAD SUITE 135A-42 BRENTWOOD, TN 37027 | $3K |
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 | 6,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 257 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 255 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 119 | $541K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,608 | $763K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,977 | $755K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,978 | $925K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 119 | $541K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 2,890 | $1.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,977 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,978 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.