| 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 | 53.83% |
| LUCENT HEALTH SOLUTIONS5 Filed as: LUCENT HEALTH SOLUTIONS, LLC | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | LUCENT HEALTH | — | $18K | $18K | 27.63% |
| CIGNA0 Filed as: CONNECTICUT GENERAL LIFE INS | P.O. BOX 645014 CINCINNATI, OH 45264 | LUCENT HEALTH | — | $12K | $12K | 17.94% |
| CAREOPERTATIVE, LLC0 | 330 FRANKLIN RD, STE 13A-42B BRENTWOOD, TN 37027 | LUCENT HEALTH | — | $385 | $385 | 0.60% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $2K | $7K | 15.44% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $1K | $147 | $1K | 15.46% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $830 | $110 | $940 | 15.87% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 381174241 | UNUM INSURANCE COMPANY | $382 | $51 | $433 | 15.28% |
| 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 | $45K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMINISTRATOR | Insurance agents and brokers Service code 22 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $18K |
| 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 | 67 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 67 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LUCENT HEALTH | 145 | $112K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $47K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $47K |
| Short-term disability(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $64K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $47K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 67 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.