| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | LUCENT HEALTH | — | $35K | $35K | 53.43% |
| LUCENT HEALTH SOLUTIONS5 Filed as: LUCENT HEALTH SOLUTIONS LLC | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | LUCENT HEALTH | — | $17K | $17K | 26.68% |
| CIGNA Filed as: CONNECTICUT GENERAL LIFE INS | P.O. BOX 645014 CINCINNATI, OH 45264 | LUCENT HEALTH | — | $12K | $12K | 19.30% |
| CAREOPERATIVE Filed as: CAREOPERATIVE LLC | 330 FRANKLIN RD., STE 13A-42B BRENTWOOD, TN 37027 | LUCENT HEALTH | — | $384 | $384 | 0.59% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.98% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $1K | $96 | $1K | 14.85% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $987 | $70 | $1K | 15.15% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $497 | $43 | $540 | 14.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER & CO INSURANCE AGENT | Insurance agents and brokers Service code 22 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | $42K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMINISTRATOR | Insurance agents and brokers Service code 22 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $17K |
| CONNECTICUT GENERAL LIFE INS EIN 60-0300370 PPO | Insurance agents and brokers Service code 22 | PO BOX 645014 CINCINNATI, OH 45264 | $12K |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LUCENT HEALTH | 61 | $65K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $46K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $46K |
| Short-term disability(3 contracts) | UNUM INSURANCE COMPANY | 22 | $18K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 62 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.