| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS COMPANY | UNKNOWN MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $177K | $1K | $179K | 3.18% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 0.10% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $0 | $44K | 9.12% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 1.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.06% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 18.43% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.54% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $14K | $259 | $14K | 12.46% |
| MJ INSURANCE3 Filed as: SETH WALKER AND VARIOUS AGENTS | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $2K | $135 | $3K | 2.34% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 10396 SW 65TH TERRACE OCALA, FL 34476 | AFLAC | $866 | $0 | $866 | 0.78% |
| JOHN LEMLEY3 Filed as: JOHN HENRY LEMLEY | 144 FRANKLIN SQUARE DRIVE SUITE 125 MUNFORD, TN 38058 | AFLAC | $714 | $0 | $714 | 0.64% |
| JAMES S. GAINES3 Filed as: JAMES STANLEY GAINES | 8788 DEANWOOD CV GERMANTOWN, TN 38139 | AFLAC | $501 | $66 | $567 | 0.51% |
| BRANDON D. CAVINS3 | 70 WOODWIND CV EADS, TN 38028 | AFLAC | $386 | $0 | $386 | 0.35% |
| PORTIA A PONDS3 Filed as: PORTIA A. PONDS | PO BOX 1141 CORDOVA, TN 38088 | AFLAC | $263 | $0 | $263 | 0.24% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE, SUITE100 MEMPHIS, TN 38112 | HEALTHIEST YOU | $4K | $0 | $4K | 15.00% |
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 | 574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,349 | $5.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,349 | $5.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,349 | $5.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $483K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $483K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $483K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,349 | $5.6M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 754 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.