| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 Filed as: JAMES C. WRIGHT | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 38112 | BLUERE OF TENNESSEE | $37K | — | $37K | 9.35% |
| MARTIN JOHNSON3 | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 38112 | BLUERE OF TENNESSEE | $3K | — | $3K | 0.89% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 38112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 381124416 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $317 | $3K | 26.53% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE, LLC | 2670 UNION AVE, SUITE 200 MEMPHIS, TN 38112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $322 | $2K | 18.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES C. WRIGHT AGENT/BROKER | Contract Administrator Service code 13 | 2670 UNION AVE EXT, SUITE 100 MEMPHIS, TN 38112 | $80K |
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 | 466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 466 | $393K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $22K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 358 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.