| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS LLC | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $97K | $106K | $204K | 23.29% |
| CIGNA3 | — | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $51K | $51K | 5.82% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: INNOVATIVE CARE MANAGEMENT | — | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $11K | $11K | 1.24% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET P.O BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.99% |
| ORMA R SMITH III3 Filed as: ORMA RINEHART SMITH | 3725 CHAMPION HILLS DR STE 330 MEMPHIS, TN 38125 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 1.88% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER & CO. | 606 S MENDENHALL ROAD, STE 200 MEMPHIS, TN 381174241 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 325 | $874K |
| Vision | VISION SERVICE PLAN | 286 | $39K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $461K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $461K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $461K |
| Stop-loss / reinsurancereinsurance | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 325 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.