| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $65K | — | $65K | 6.20% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $10K | $21K | $31K | 3.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 3.61% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | — | $949 | 0.75% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $470 | $10K | 14.89% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9900 BREN ROAD, EAST MINNETONKA, MN 55343 | $1.3M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $67K |
| LIPSCOMB & PITTS INSURANCE LLC EIN 62-0533337 BROKER | Other commissions Service code 55 | 2670 UNION AVENUE EXT, STE 100 MEMPHIS, TN 381124416 | $0 |
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 | 4,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,243 | $126K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,920 | $480K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,920 | $413K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,522 | $1.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,920 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,920 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.