| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 100 MEMPHIS, TN 381124416 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $18K | $1K | $20K | 9.59% |
| BENEFITS ADVISOR SERCICES GROUP3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 300097630 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $164 | — | $164 | 0.08% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 381124416 | THE LINCOLN NATIONAL LIE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSUR LLC | 2670 UNION AVE EXTENSION MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $223 | — | $223 | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 28712 | $80K |
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 | 231 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 218 | $204K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 218 | $204K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 242 | $230K |
| Long-term disability | THE LINCOLN NATIONAL LIE INSURANCE COMPANY | 65 | $27K |
| Stop-loss / reinsurancereinsurance | SA BENEFITS SVCS-VISTA-COMPANION | 225 | $365K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 242 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.