| 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 | $36K | $2K | $38K | 5.71% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENSION STE 200 MEMPHIS, TN 381124434 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.76% |
| COREY A BRANAM3 | 51 N EAST YATES ROAD MEMPHIS, TN 38120 | AFLAC | $828 | — | $828 | 6.21% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $512 | $10 | $522 | 3.92% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $508 | $10 | $518 | 3.89% |
| JONATHAN L PENNINGTON3 | 1485 SISKIN DRIVE CORDOVA, TN 38016 | AFLAC | $395 | $4 | $399 | 2.99% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $242 | $4 | $246 | 1.85% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $161 | — | $161 | 1.21% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICOLE MURRAY | 8530 WOODLANE DRIVE GERMANTOWN, TN 38138 | AFLAC | $101 | — | $101 | 0.76% |
| QUINTON J MILES3 Filed as: QUINTON MILES | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $93 | — | $93 | 0.70% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $42 | — | $42 | 0.32% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD SUITE 1015 TAMPA, FL 33609 | AFLAC | $39 | — | $39 | 0.29% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $27 | — | $27 | 0.20% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $14 | — | $14 | 0.11% |
| MP JONES & ASSOCIATES3 | 13846 ATLANTIC BLVD APT 101 JACKSONVILLE, FL 32225 | AFLAC | $10 | — | $10 | 0.08% |
| TAMI S GILL3 | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $10 | — | $10 | 0.08% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $9 | — | $9 | 0.07% |
| JENNIFER C BOREK3 | 3095 E PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $6 | — | $6 | 0.05% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $5 | — | $5 | 0.04% |
| VBTN, INC3 Filed as: VBTN INC. | 2000 GLEN ECHO ROAD SUITE 204 LAS VEGAS, NV 37215 | AFLAC | $2 | — | $2 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | 0.01% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 381202065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $238 | — | $238 | 4.00% |
| CAROLYN H BOLIN3 Filed as: CAROLYN BOLIN | 5284 SUMMER WIND LN ARLINGTON, TN 380029597 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $179 | — | $179 | 3.01% |
| TODD R EATON3 Filed as: TODD EATON | 6971 HEARTHSIDE CV MEMPHIS, TN 381198774 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $179 | — | $179 | 3.01% |
| COREY A BRANAM3 | 51 N EAST YATES ROAD MEMPHIS, TN 38120 | AFLAC | $141 | — | $141 | 6.99% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $87 | $9 | $96 | 4.76% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $80 | $9 | $89 | 4.41% |
| JONATHAN L PENNINGTON3 | 1485 SISKIN DRIVE CORDOVA, TN 38016 | AFLAC | $80 | $4 | $84 | 4.16% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $37 | $4 | $41 | 2.03% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $24 | — | $24 | 1.19% |
| KATHRYN SUZANNE AXENTE3 | 500 N WEST SHORE BLVD SUITE 1015 TAMPA, FL 38002 | AFLAC | $11 | — | $11 | 0.55% |
| JENNIFER C BOREK3 | 3095 E PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $10 | — | $10 | 0.50% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $8 | — | $8 | 0.40% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $7 | — | $7 | 0.35% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $3 | — | $3 | 0.15% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $3 | — | $3 | 0.15% |
| VBTN, INC3 Filed as: VBTN | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.10% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.10% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR 4TH FLOOR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.05% |
| JOANNA G MATHERLY3 | 200 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.05% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 66 | $669K |
| Dental | HUMANA INSURANCE COMPANY | 66 | $669K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $48K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $48K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.