| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $20K | 3.35% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.04% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 294928378 | RELIASTAR LIFE INSURANCE COMPANY | $37K | — | $37K | 12.93% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE, EXTD, STE 200 MEMPHIS, TN 38112 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 6.51% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 1.48% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $2K | $43K | 15.75% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
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 | 2,953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,727 | $176K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,778 | $858K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,778 | $587K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,778 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,778 | — |
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.