| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY VALENTINE LINDEMAN, II | 555 PERKINS EXTENSION #330 MEMPHIS, TN 38117 | HEALTH NET | $22K | — | $22K | 4.50% |
| HENRY VALENTINE LINDEMAN II3 | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $22K | — | $22K | 6.71% |
| HENRY VALENTINE LINDEMAN II3 | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $9K | — | $9K | 7.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL PLAN OF ARKANSAS | $3K | — | $3K | 2.59% |
| HENRY VALENTINE LINDEMAN II3 | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | DELTA DENTAL PLAN OF ARKANSAS | $5K | — | $5K | 6.09% |
| RBH INSURE3 Filed as: RBH.INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 16.02% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38177 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 8.01% |
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY VALENTINE LINDEMAN | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| JASON D. COLLIER AND COMPANY3 Filed as: JASON D. COLLIER & COMPANY | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $17 | $4K | 5.59% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $51 | $2K | 2.09% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $246 | $3 | $249 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 10.00% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES INC. | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $672 | — | $672 | 4.39% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY INC. | 1616 BROOKWOOD LITTLE ROCK, AR 72202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $513 | — | $513 | 3.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 1.78% |
| RBH INSURE3 Filed as: RBH.INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 1.07% |
| RBH INSURE3 Filed as: RBH. INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $796 | — | $796 | 6.43% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | $3 | $698 | 5.64% |
| JASON D. COLLIER AND COMPANY3 | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | — | $293 | 2.37% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 1.02% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.17% |
| RBH INSURE3 Filed as: RBH.INSURE | 5100 POPLAR AVENUE SUITE 805 MEMPHIS, TN 38137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 37.02% |
| JASON D. COLLIER AND COMPANY3 | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 1.07% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.98% |
| HENRY V LINDEMAN, II3 Filed as: HENRY V. LINDEMAN II | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.99% |
| VALENTINE INSURANCE SERVICES, LLC3 Filed as: VALENTINE INSURANCE SERVICES LLC | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| HENRY V LINDEMAN, II3 Filed as: HENRY V. LINDEMAN II | 555 PERKINS EXTENSION SUITE 330 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $946 | — | $946 | 15.00% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 75 | $491K |
| Dental(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 1,136 | $410K |
| Vision(2 contracts) | DELTA DENTAL PLAN OF ARKANSAS | 865 | $149K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 343 | $83K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $6K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 444 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.