| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 381124416 | HUMANADENTAL INSURANCE COMPANY | $5K | $511 | $6K | 11.03% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $326 | $9K | 20.75% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 381124416 | COMPBENEFITS INSURANCE COMPANY | $979 | $98 | $1K | 11.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $762 | $38 | $800 | 15.74% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 381124416 | HUMANA INSURANCE COMPANY | $443 | $30 | $473 | 16.01% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 113 | $51K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 80 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $8K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $43K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.