| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENDED SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60K | $60K | 5.22% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENDED SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60K | $60K | 8.28% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY LINDMAN | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 3.02% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXT SUITE 330 MEMPHIS, TN 38117 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 4.98% |
| RBH INSURE3 | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | $15K | $121K | 36.83% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | — | $106K | 32.23% |
| RBH INSURE3 | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $10K | $84K | 36.79% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | — | $73K | 32.19% |
| RBH INSURE3 | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $9K | $87K | 40.79% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | — | $78K | 36.71% |
| RBH INSURE3 | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $8K | $65K | 36.80% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 825 VALLEYBROOK DRIVE SUITE 101 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 32.20% |
| 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 | $664K |
| NARUS HEALTH EIN 47-1929604 OTHER | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $664K |
| VALENTINE INSURANCE SERVICES EIN 83-0923712 INSURANCE AGENCY | Custodial (securities) Service code 19 | 825 VALLEYBROOK ROAD SUITE 101 MEMPHIS, TN 38119 | $449K |
| MULTIPLAN NONE | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $430K |
| SELERIX SYSTEMS INC EIN 80-0236699 OTHER | Other fees Service code 99 | PO BOX 678967 DALLAS, TX 75267 | $195K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Other fees Service code 99 | — | $150K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $63K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 41582 | Other fees Service code 99 | — | $42K |
| CAREOPERATIVE LLC EIN 46-4399706 NONE | Other fees Service code 99 | 330FRANKLIN ROAD SUITE 135A-42 BRENTWOOD, TN 37027 | $20K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $358 |
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 | 6,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 310 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 1,768 | $4.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 128 | $698K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,205 | $971K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,910 | $937K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,911 | $1.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 128 | $698K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 3,208 | $2.0M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,910 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,911 | — |
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.