| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $15K | $44K | 2.30% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | 1485 NORTH PARK DRIVE WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.21% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD # 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $7K | $27K | 13.22% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $15K | $39K | 24.39% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $8K | $25K | 21.96% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD # 200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.24% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $207K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $50K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 681 | $112K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 683 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 683 | $1.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 681 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.