| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 Filed as: JAMES C WRIGHT | 2670 UNION AVENUE EXTENDED SUITE #200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $58K | — | $58K | 5.06% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.14% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXTD MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 1.34% |
| JOHN R JOHN3 | 6240 POPLAR AVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $7 | $184 | 0.46% |
| RIMER ENTERPRISES INC3 | PO BOX 34485 MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.40% |
| LLOYD JOSEPH CALDEMEYER3 | 8881 RASPBERRY LN CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.39% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD GOODLETTESVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.28% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.22% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.16% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.16% |
| JOSEPH L GREENE3 Filed as: JOSEPH L GREEN | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.14% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.12% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 | 6760 MOLAKAI CIRCLE BOYNTON BEACH, FL 33437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.12% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | — | $514 | 8.20% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 40.26% |
| ARISTA INVESTORS CORP3 | 15 MAIDEN LN SUITE 905 NEW YORK, NY 10038 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $368 | $102 | $470 | 10.95% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 8.92% |
| JOHN R JOHN3 | 6240 POPLAR AVENUE MEMPHIS, TN 38119 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 1.79% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, ND 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.25% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD GOODLETTSVILLE, TN 38119 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.25% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXTD MEMPHIS, TN 38112 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.54% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 265 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 265 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 265 | $1.1M |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $77K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $45K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $41K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.