| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS, LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | QCA HEALTH PLAN | $14K | — | $14K | 3.50% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.11% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KINGSTON, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $923 | — | $923 | 11.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PIKE SUITE 50 KINGSTON, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $420 | — | $420 | 5.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KINGSTON, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 14.99% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 14.99% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $821 | — | $821 | 20.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PIKE SUITE 50 KINGSTON, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $205 | — | $205 | 4.99% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $569 | — | $569 | 15.01% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $569 | — | $569 | 15.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KINGSTON, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $280 | — | $280 | 15.02% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 9.98% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCA HEALTH PLAN | 99 | $398K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $58K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $58K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 46 | $8K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.