| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $32K | $37K | 2.90% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS COMPANY | 2670 UNION AVENUE EXT. SUITE 100 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $31K | $36K | 2.80% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 12.20% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXTD MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.69% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 2670 UNION AVE EXTD MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.67% |
| JOHN R JOHN3 | 6240 POPLAR AVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $2 | $185 | 0.51% |
| RIMER ENTERPRISES INC3 | 6825 SUMMER AVE MEMPHIS, TN 38134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.46% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.37% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.27% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.20% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.20% |
| JOSEPH L GREENE3 Filed as: JOSEPH L GREEN | 3597 GREENSIDE DR APT 103 MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.17% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.16% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.08% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST APT 701 MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 | 6760 MOLAKAI CIRCLE BOYNTON BEACH, FL 33437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 289 | $86K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $36K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $36K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 289 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.