| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTD, SUITE 200 MEMPHIS, TN 381124434 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $12K | $29K | 6.46% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 300097629 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.91% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTD, SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTD, SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTD, SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTD, SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $737 | — | $737 | 15.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98 | — | $98 | 2.00% |
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 | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,036 | $443K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $77K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $92K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,036 | — |
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.