Form 5500 · Employee benefit plan · MEMPHIS, TN
MULTI-SOUTH MANAGEMENT SERVICES LLC
The filing calls this plan MULTI-SOUTH MANAGEMENT SERVICES LLC WELFARE BENEFIT PLAN.
MULTI-SOUTH MANAGEMENT SERVICES LLC of MEMPHIS, TN is a 270-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is STREAMLINE ENTERPRISES LLC DBA CANO. Coverage is written through HM LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1872616 · plan 501 · plan year 2025, filed Jun 29, 2026
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1,160 other employer plans in Tennessee have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with HM LIFE INSURANCE COMPANY, covers 160 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $358,950 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $669,448, with $55,287 in disclosed broker commissions — about 8.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 75 | Jan 1, 2026 | $29,442 | $9,956 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 69 | Jan 1, 2026 | $22,843 | $7,452 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Dental, Vision | 161 | Jan 1, 2026 | $73,777 | $6,930 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 210 | Jan 1, 2026 | $43,624 | $6,544 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 92 | Jan 1, 2026 | $18,380 | $6,040 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 44 | Jan 1, 2026 | $38,561 | $5,784 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 102 | Jan 1, 2026 | $37,856 | $5,679 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 210 | Jan 1, 2026 | $27,989 | $4,198 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 76 | Jan 1, 2026 | $18,026 | $2,704 |
| HM LIFE INSURANCE COMPANY | Stop-loss | 160 | Jan 1, 2026 | $358,950 | $0 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 137044. For the contract year on this filing, the carrier reported $73,777 in premium earned and $36,649 in claims incurred. Dividing one by the other gives 50%.
- BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 137044 reported $13,826 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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