| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYES GROUP INC. | 80 SOUTH EIGHT STREET MINNEAPOLIS, MN 55402 | HEALTH NET | $18K | — | $18K | 3.26% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | HEALTH NET | $5K | — | $5K | 0.98% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S. MENDENHALL RD STE 200 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $12K | — | $12K | 5.41% |
| HENRY VALENTINE LINDEMAN II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | DELTA DENTAL PLAN OF ARKANSAS | $1K | — | $1K | 0.59% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $379 | $16K | 21.66% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 18.11% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.93% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $105 | $2K | 2.72% |
| VALENTINE INSURANCE SERVICES, LLC3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.04% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $6K | — | $6K | 9.03% |
| HENRY VALENTINE LINDEMAN II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | DELTA DENTAL PLAN OF ARKANSAS | $631 | — | $631 | 0.97% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $4K | $38K | 58.59% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $597 | $23K | 35.95% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE MEMPHIS, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $227 | $6K | 9.01% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| HENRY V LINDEMAN, II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.05% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $184 | $3K | 4.71% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.38% |
| HENRY V LINDEMAN, II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.33% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.44% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.01% |
| HENRY V LINDEMAN, II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.79% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $144 | $4K | 8.65% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.47% |
| HENRY V LINDEMAN, II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.34% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $157 | $1K | 6.73% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.61% |
| HENRY V LINDEMAN, II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $964 | — | $964 | 4.85% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 415 N MCKINLEY ST STE 305 LITTLE ROCK, AR 72205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.02% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.27% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $878 | — | $878 | 4.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $579 | — | $579 | 3.01% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $228 | $91 | $319 | 2.76% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $228 | — | $228 | 1.98% |
| HENRY VALENTINE LINDEMAN II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $121 | — | $121 | 1.05% |
| RBH INSURE3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $649 | — | $649 | 7.08% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & COMPANY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | $63 | $636 | 6.94% |
| HENRY VALENTINE LINDEMAN II3 | 5100 POPLAR AVENUE STE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | — | $277 | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATORS LLC EIN 39-1997579 NONE | Claims processing; Contract Administrator Service code 12 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $123K |
| HSTECHNOLOGY SOLUTIONS EIN 27-1818792 NONE | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $44K |
| MEDWATCH EIN 16-1662117 NONE | Other fees Service code 99 | P O BOX 21796 TAMPA, FL 33630 | $17K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 NONE | Other fees Service code 99 | P O BOX 29380 NEW YORK, NY 10087 | $15K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other fees Service code 99 | P.O. BOX 6016 WORTHINGTON, OH 43085 | $9K |
| INTERLINK CARE MANAGEMENT EIN 45-4672075 NONE | Other fees Service code 99 | 4660 NE BELKNAP CT SUITE 209 HILLSBORO, OR 97124 | $7K |
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 | 493 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INTERMEDIARY INSURANCE SERVICES | 493 | $1.4M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 876 | $216K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 434 | $65K |
| Life insurance(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 649 | $194K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $120K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $29K |
| Prescription drug(2 contracts, 2 carriers) | INTERMEDIARY INSURANCE SERVICES | 493 | $1.4M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.