| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT #100 MEMPHIS, TN 381124413 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $16K | $79K | 6.30% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42K | — | $42K | 6.98% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT #200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 1.56% |
| WRIGHT, JAMES, CRAIG3 | 2670 UNION AVE EXT #200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | — | $510 | 0.08% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION INC | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.05% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $33K | $70K | 33.53% |
| WRIGHT, JAMES, CRAIG3 | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC STE 200 | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $273 | $732 | 0.35% |
| MCGRIFF INSURANCE SERVICES INC4 | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $660 | — | $660 | 0.32% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT #100 MEMPHIS, TN 381124416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $12K | 16.13% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $894 | $894 | 1.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC STE 200 | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $815 | — | $815 | 4.88% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $703 | $613 | $1K | 13.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC STE 200 | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $20 | $229 | 2.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.66% |
| WRIGHT, JAMES, CRAIG3 | 2670 UNION AVE EXT #200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.59% |
| RICHARD M MCKINLEY3 Filed as: RICHARD M. MCKINLEY | 2670 UNION AVE EXT #200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $210 | — | $210 | 2.47% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $184 | $184 | 2.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC STE 200 | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $45 | $90 | $135 | 1.59% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $62 | — | $62 | 0.73% |
| RICHARD M MCKINLEY3 Filed as: RICHARD M. MCKINLEY | 2670 UNION AVE EXT #200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 16.59% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $33 | $33 | 15.21% |
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 | 7,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,031 | $2.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,031 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.