| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE #100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $16K | $63K | 6.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMMI | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 6.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $6K | $13K | 2.33% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE #100 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 1.98% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.05% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE #100 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $616 | $26K | 14.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 1.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMMI | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $607 | — | $607 | 0.33% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE #100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 16.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $749 | $163 | $912 | 5.95% |
| MCKINLEY, RICHARD M3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $809 | — | $809 | 7.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $92 | $144 | 1.31% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $136 | $136 | 1.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMMI | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.45% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE #100 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $493 | — | $493 | 5.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | $122 | $332 | 3.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMMI | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 1.28% |
| MCKINLEY, RICHARD M3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 2.76% |
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 | 7,504 | 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) | 7,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(8 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,722 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,722 | — |
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.