| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVE, SUITE 200 MEMPHIS, TN 38112 | AFLAC | $19K | — | $19K | 8.25% |
| BRADLEY R DACUS3 Filed as: BRADLEY R. DACUS | 835 N SANGA RD CORDOVA, TN 38018 | AFLAC | $9K | $3K | $12K | 5.09% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $11K | $53 | $11K | 4.74% |
| THOMAS EDWARD MARKLE3 Filed as: THOMAS E. MERKLE | 10015 JERNIGAN DR SOMERVILLE, TN 38068 | AFLAC | $3K | $2K | $5K | 2.13% |
| DANIEL G ALLEN3 Filed as: DANIEL G. ALLEN | 1566 JOE JOYNER RD MUNFORD, TN 38058 | AFLAC | $4K | $1K | $5K | 2.11% |
| DAVID L DACUS3 Filed as: DAVID DACUS | 9045 FOREST CENTRE DR STE 101 GERMANTOWN, TN 38138 | AFLAC | $3K | $2K | $4K | 1.92% |
| BRANDON D. CAVINS3 | 3823 CHARBON LN BARTLETT, TN 38133 | AFLAC | $650 | $1K | $2K | 0.83% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 10396 SW 65TH TER OCALA, FL 34476 | AFLAC | $1K | — | $1K | 0.45% |
| DAVID L DACUS3 Filed as: DAVID L. DACUS | 1416 RIVER PINE DR COLLIERVILLE, TN 38017 | AFLAC | $510 | — | $510 | 0.22% |
| BRANDON D. CAVINS3 | 70 WOODWIND DV EADS, TN 38028 | AFLAC | $161 | — | $161 | 0.07% |
| TIFFANY M. MANSO3 | 1509 CAMARGO LN RALEIGH, NC 27604 | AFLAC | $8 | $2 | $10 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVE, SUITE 200 MEMPHIS, TN 38112 | USABLE LIFE | $1K | — | $1K | 11.18% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 10.90% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 279 | $12K |
| Short-term disability | AFLAC | 344 | $232K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 258 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
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.