| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERBERT R CHAMBERS3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | $0 | $24K | 4.23% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 14.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.46% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $466 | $4K | 9.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $670 | $0 | $670 | 1.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $656 | $9K | 26.98% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $349 | $2K | 10.46% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $272 | $0 | $272 | 1.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | $0 | $248 | 1.57% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $330 | $4K | 27.52% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | $0 | $756 | 8.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $182 | $182 | 2.01% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $683 | $171 | $854 | 10.37% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $140 | $0 | $140 | 1.70% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | $109 | $761 | 14.61% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $129 | $0 | $129 | 2.48% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 99 | $567K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $41K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $58K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $17K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.