| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT, STE 200 MEMPHIS, TN 38112 | HUMANA INSURANCE COMPANY | $39K | $0 | $39K | 4.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 0.45% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT, STE 200 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.77% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $2K | $0 | $2K | 10.69% |
| MICHAEL GRIFFIN MARSHALL3 | 5100 POPLAR AVE, STE 310 MEMPHIS, TN 38137 | AFLAC | $2K | $0 | $2K | 9.46% |
| CORTNEY LEIGH SANDRIDGE3 | 5061 EAGLES NEST LN ARLINGTON, TN 38002 | AFLAC | $2K | $0 | $2K | 7.54% |
| BELINDA JEAN LEGGETT3 | 93 GEORGE ELLIS DR MUNFORD, TN 38058 | AFLAC | $1K | $0 | $1K | 5.87% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 98011 | AFLAC | $857 | $0 | $857 | 3.96% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 38120 | AFLAC | $200 | $0 | $200 | 0.92% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LN ARLINGTON, TN 38002 | AFLAC | $150 | $0 | $150 | 0.69% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $148 | $0 | $148 | 0.68% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $90 | $0 | $90 | 0.42% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 99 | $814K |
| Dental | HUMANA INSURANCE COMPANY | 99 | $814K |
| Vision | HUMANA INSURANCE COMPANY | 99 | $814K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.