| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.21% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT, STE 100 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC - MEMPHIS | 5100 POPLAR AVE, STE 1200 MEMPHIS, TN 38137 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 6.15% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT, STE 100 MEMPHIS, TN 38112 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5100 POPLAR AVE, STE 1200 MEMPHIS, TN 38137 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $658K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $12K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $137K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $137K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $137K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.