| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERBERT R CHAMBERS3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $39K | $0 | $39K | 5.49% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.89% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.31% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 33.36% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $728 | $2K | 15.06% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TX 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $884 | $4K | 30.90% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 19.28% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE. EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $911 | $244 | $1K | 12.67% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT # 100 MEMPHIS, TX 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $850 | $282 | $1K | 19.98% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 151 | $712K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $11K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $14K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.