| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 Filed as: JAMES C WRIGHT | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | $0 | $30K | 5.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 6.99% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.01% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $670 | $0 | $670 | 7.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 5100 POLAR AVE STE 1200 MEMPHIS, TN 38137 | UNITEDHEALTHCARE INSURANCE COMPANY | $208 | $181 | $389 | 4.43% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 142 | $552K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $112K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $112K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $112K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.