| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | GUARDIAN | $7K | — | $7K | 15.00% |
| ASHFORD MID SOUTH LLC3 Filed as: ASHFORD MID SOUTH | — | GUARDIAN | — | — | $0 | 0.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | STARMOUNT LIFE INSURANCE CO | $9K | $56 | $9K | 110.42% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST STE 360 DUBLIN, OH 43017 | STARMOUNT LIFE INSURANCE CO | — | — | $0 | 0.00% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD MEMPHIS, TN 38117 | LUCENT | — | $35K | $35K | — |
| LUCEN HEALTH SOLUTIONS5 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | LUCENT | — | $32K | $32K | — |
| CIGNA5 Filed as: CONNECTICUT GENERAL LIFE | PO BOX 645014 CINCINNATI, OH 45264 | LUCENT | — | $14K | $14K | — |
| INNOVU LLC5 Filed as: INNOVU | 2403 SIDNEY ST PITTSBURGH, PA 15203 | LUCENT | — | $3K | $3K | — |
| CAREOPERATIVE5 | 3300 FRANKLIN RD BRENTWOOD, TN 37027 | LUCENT | — | $442 | $442 | — |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LUCENT | 71 | $0 |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 115 | $53K |
| Long-term disability | GUARDIAN | 115 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.