| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | — | $45K | 2.38% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | — | $25K | 5.79% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 9.17% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.00% |
| DEBORAH W HULETTE3 Filed as: DEBORAH HULETTE | 115 CARRIAGE CV CADS, TN 38028 | AFLAC | $8K | $218 | $8K | 10.83% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $505 | $44 | $549 | 0.72% |
| PORTIA A PONDS3 Filed as: PORTIA PONDS | 10061 WOODLAND BIRCH CV LAKELAND, TN 38002 | AFLAC | $411 | — | $411 | 0.54% |
| BRANDON CAVINS3 | 3823 CHARBON LANE BARTLETT, TN 38133 | AFLAC | $391 | — | $391 | 0.51% |
| QUINTON J MILES3 Filed as: QUINTON MILES | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $301 | $44 | $345 | 0.45% |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | 2985 POPLAR GROVE LANE GERMANTOWN, TN 38139 | AFLAC | $205 | — | $205 | 0.27% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NW HICKORY, NC 28601 | AFLAC | $147 | — | $147 | 0.19% |
| KENNETH M WALKER3 Filed as: KENNETH WALKER | 9930 HIGHWAY 57 MOSCOW, TN 38057 | AFLAC | $144 | — | $144 | 0.19% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $141 | — | $141 | 0.18% |
| ALLEN MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $134 | — | $134 | 0.18% |
| ALICE APPLE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $95 | — | $95 | 0.12% |
| JERRY W WILLOUGHBY3 Filed as: JERRY WILLOUGHBY | 72 ROY CROW ROAD NEWBERN, TN 38059 | AFLAC | $90 | — | $90 | 0.12% |
| FRANCES SANDRA BOND3 Filed as: FRANCES BOND | 480 HOLLY SPRINGS CHURCH ROAD INMAN, SC 29349 | AFLAC | $87 | — | $87 | 0.11% |
| KATHRYN AXENTE3 | 500 N WEST SHORE BLVD TAMPA, FL 33809 | AFLAC | $73 | — | $73 | 0.10% |
| DEBRA V BOOKER0 Filed as: DEBRA BOOKER | 7566 WOODBEND CV GERMANTOWN, TN 38138 | AFLAC | $70 | — | $70 | 0.09% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $67 | — | $67 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $66 | — | $66 | 0.09% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD NASHVILLE, TN 37215 | AFLAC | $65 | — | $65 | 0.09% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 816 ACOMA STREET DENVER, CO 80204 | AFLAC | $63 | — | $63 | 0.08% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 4003 NE 23RD PLACE CAPE CORAL, FL 33909 | AFLAC | $56 | — | $56 | 0.07% |
| WINFRED HARRIS JR3 | 1066 ROBERTSON ROAD HERNANDO, MS 38632 | AFLAC | $53 | — | $53 | 0.07% |
| TAMI S GILL3 Filed as: TAMI GILL | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $49 | — | $49 | 0.06% |
| JASON BRINKMEYER3 | 4823 BOURNE HOLLOW CV ARLINGTON, TN 38002 | AFLAC | $49 | — | $49 | 0.06% |
| CHARLES DAWCOM3 | 14900 RIVER ROAD PENSACOLA, FL 32507 | AFLAC | $48 | — | $48 | 0.06% |
| SETH WALKER3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $48 | — | $48 | 0.06% |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP DAGASTINO | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $44 | — | $44 | 0.06% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $43 | — | $43 | 0.06% |
| JAMES D STEPHENS3 Filed as: JAMES STEPHENS | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $33 | — | $33 | 0.04% |
| AMANDA WALKER3 | 8317 CORDOVA ROAD CORDOVA, TN 38016 | AFLAC | $32 | — | $32 | 0.04% |
| ROBERT O TINDALL3 Filed as: ROBERT MORRIS | 165 DEERFIELD CV SOMERVILLE, TN 38068 | AFLAC | $29 | — | $29 | 0.04% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $12 | — | $12 | 0.02% |
| TOMMYE ADAMS3 | 3223 NEELEY HOLLOW ROAD COLUMBIA, TN 38401 | AFLAC | $10 | — | $10 | 0.01% |
| JAY OLEARY3 | 200 GLEN ECHO ROAD NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.01% |
| ELIZABETH MONTES3 | 725 KNOLLWOOD LANE SAN DIMAS, CA 91773 | AFLAC | $6 | — | $6 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.01% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $4 | — | $4 | 0.01% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DRIVE BENTON, AR 72015 | AFLAC | $2 | — | $2 | 0.00% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLEY MURRAY3 | 8530 WOODLAND DRIVE GERMANTOWN, TN 38138 | AFLAC | $2 | — | $2 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 20.27% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 10.02% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $216 | — | $216 | 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 | 1,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,327 | $437K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,310 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $144K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $153K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $1.9M |
| Other(3 contracts, 3 carriers) | AFLAC | 577 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.