| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 3.98% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.83% |
| ADAM JAY BLAIN3 | 7921 ELM LEAF DR GERMANTOWN, TN 38138 | AFLAC | $4K | $163 | $4K | 7.41% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $2K | $65 | $2K | 3.86% |
| WILLIAM T GANT3 Filed as: WILLIAM T GRANT | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $816 | $53 | $869 | 1.44% |
| BELINDA JEAN LEGGETT3 | 93 GEORGE ELLIS DR MUNFORD, TN 38058 | AFLAC | $515 | $14 | $529 | 0.88% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $471 | — | $471 | 0.78% |
| DANIEL G ALLEN3 | 1470 BEAVER CREEK RD BRIGHTON, TN 38011 | AFLAC | $176 | $2 | $178 | 0.30% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AFLAC | $174 | $0 | $174 | 0.29% |
| BILL W MOSS3 | 8553 BELL BROOK DR OLIVE BRANCH, MS 38654 | AFLAC | $111 | $35 | $146 | 0.24% |
| LATRICE JACKSON3 | 905 ABBEY GROVE LN CORDOVA, TN 38018 | AFLAC | $83 | $0 | $83 | 0.14% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPINGS SPRINGS, TX 78620 | AFLAC | $68 | $0 | $68 | 0.11% |
| COURTNEY LEIGH SANDRIDGE3 | 5061 EAGLES NEST LN ARLINGTON, TN 38002 | AFLAC | $66 | $0 | $66 | 0.11% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $6K | $0 | $6K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $4K | $0 | $4K | 11.07% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $614 | — | $614 | 4.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $341 | — | $341 | 2.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $2K | $0 | $2K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $909 | $0 | $909 | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $533 | $0 | $533 | 11.01% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $710K |
| Dental | DELTA DENTAL OF TENNESSEE | 153 | $57K |
| Vision | VISION SERVICE PLAN | 81 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSRUANCE COMPANY | 125 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSRUANCE COMPANY | 45 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSRUANCE COMPANY | 120 | $33K |
| Other(4 contracts, 2 carriers) | AFLAC | 125 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.