| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 8285 TOURNAMENT DRIVE SUITE 130 MEMPHIS, TN 38125 | DELTA DENTAL OF TENNESSEE | $18K | $0 | $18K | 8.00% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 6.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MEMPHIS | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | $2 | $15 | 0.01% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PL CHICAGO, IL 606731299 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.99% |
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 | 667 | 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) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 800 | $224K |
| Vision | VISION SERVICE PLAN | 371 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 667 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $245K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $245K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 667 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.