| 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 | $33K | $2K | $35K | 5.19% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENSION STE 200 MEMPHIS, TN 381124434 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.26% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE COMPANY | $980 | — | $980 | 1.00% |
| COREY A BRANAM3 | 51 N EAST YATES ROAD MEMPHIS, TN 38120 | AFLAC | $508 | — | $508 | 4.29% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $295 | — | $295 | 2.49% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $291 | — | $291 | 2.46% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $156 | — | $156 | 1.32% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICOLE MURRAY | 8630 WOODLANE DRIVE GERMANTOWN, TN 38138 | AFLAC | $149 | — | $149 | 1.26% |
| QUINTON J MILES3 Filed as: QUINTON MILES | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $142 | — | $142 | 1.20% |
| JONATHAN L PENNINGTON3 | 1485 SISKIN DRIVE CORDOVA, TN 38015 | AFLAC | $124 | — | $124 | 1.05% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD SUITE 105 TAMPA, FL 33609 | AFLAC | $92 | — | $92 | 0.78% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $76 | — | $76 | 0.64% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $14 | — | $14 | 0.12% |
| MP JONES & ASSOCIATES3 | 13846 ATLANTIC BLVD APT 101 JACKSONVILLE, FL 32225 | AFLAC | $11 | — | $11 | 0.09% |
| TAMI S GILL3 | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $11 | — | $11 | 0.09% |
| JENNIFER C BOREK3 | 3095 E PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $9 | — | $9 | 0.08% |
| VBTN, INC3 Filed as: VBTN INC. | 2000 GLEN ECHO ROAD SUITE 204 LAS VEGAS, NV 37215 | AFLAC | $6 | — | $6 | 0.05% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $5 | — | $5 | 0.04% |
| JAY S OLEARY0 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.02% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 381202065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 4.01% |
| CAROLYN H BOLIN3 Filed as: CAROLYN BOLIN | 5284 SUMMER WIND LN ARLINGTON, TN 380029597 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $183 | — | $183 | 2.99% |
| TODD R EATON3 Filed as: TODD EATON | 6971 HEARTHSIDE CV MEMPHIS, TN 381198774 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $183 | — | $183 | 2.99% |
| COREY A BRANAM3 | 51 N EAST YATES ROAD MEMPHIS, TN 38120 | AFLAC | $112 | — | $112 | 8.93% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $65 | — | $65 | 5.18% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $60 | — | $60 | 4.78% |
| JONATHAN L PENNINGTON3 | 1485 SISKIN DRIVE CORDOVA, TN 38016 | AFLAC | $50 | — | $50 | 3.99% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $32 | — | $32 | 2.55% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $17 | — | $17 | 1.36% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD SUITE 1015 TAMPA, FL 38002 | AFLAC | $13 | — | $13 | 1.04% |
| JENNIFER C BOREK3 | 3095 E PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $9 | — | $9 | 0.72% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $7 | — | $7 | 0.56% |
| VBTN, INC3 Filed as: VBTN | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.16% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.08% |
| 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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 70 | $679K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $98K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $98K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $98K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $98K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.