| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT STE 100 MEMPHIS, TN 38112 | HUMANA INSURANCE COMPANY | $45K | $351 | $45K | 5.43% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT STE 100 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $985 | $8K | 13.49% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $236 | $0 | $236 | 2.53% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 38120 | AFLAC | $215 | $0 | $215 | 2.31% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LN ARLINGTON, TN 38002 | AFLAC | $155 | $0 | $155 | 1.66% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $153 | $0 | $153 | 1.64% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $78 | $0 | $78 | 0.84% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICOLE MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $64 | $0 | $64 | 0.69% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $20 | $0 | $20 | 3.63% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 38120 | AFLAC | $12 | $0 | $12 | 2.18% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LN ARLINGTON, TN 38002 | AFLAC | $11 | $0 | $11 | 2.00% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $11 | $0 | $11 | 2.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $10 | $0 | $10 | 1.81% |
| DEBORAH WALKER HULETTE3 Filed as: DEBORAH WALDER HULETTE | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $4 | $0 | $4 | 0.73% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 85 | $836K |
| Dental | HUMANA INSURANCE COMPANY | 85 | $836K |
| Vision | HUMANA INSURANCE COMPANY | 85 | $836K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $59K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $59K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.