| 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 | $10K | — | $10K | 1.95% |
| CHRIS WIRTH3 | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 38112 | BLUERE OF TENNESSEE | $6K | — | $6K | 1.15% |
| MARTIN JOHNSON3 | 2670 UNION AVE, SUITE 100 MEMPHIS, TN 38112 | BLUERE OF TENNESSEE | $73 | — | $73 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 2670 UNION AVE, SUITE 200 MEMPHIS, TN 38112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $72 | $3K | 11.18% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $84 | $2K | 15.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES C. WRIGHT AGENT/BROKER | Contract Administrator; Insurance agents and brokers Service code 13 | 2670 UNION AVE EXT, SUITE 100 MEMPHIS, TN 38112 | $81K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 547 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 547 | $512K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $28K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $15K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.