| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | STE 200 2670 UNION AVE EXT MEMPHIS, TN 381124416 | HUMANA INSURANCE COMPANY | $31K | $4K | $35K | 5.53% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENSION STE 200 MEMPHIS, TN 381124434 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6K | $14K | 14.16% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $48 | $3K | 21.30% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 381202065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | — | $275 | 4.00% |
| CAROLYN H BOLIN3 Filed as: CAROLYN BOLIN | 5284 SUMMER WIND LN ARLINGTON, TN 380029597 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $206 | — | $206 | 3.00% |
| TODD R EATON3 Filed as: TODD EATON | 6971 HEARTHSIDE CV MEMPHIS, TN 381198774 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $206 | — | $206 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEW BENEFITS LTD EIN 75-2343577 TELEMEDICINE PROVIDER | Participant communication; Contract Administrator Service code 13 | 14240 PROTON RD DALLAS, TX 75244 | $9K |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 70 | $635K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 314 | $735K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $100K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $100K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.