| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG WRIGHT3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $21K | — | $21K | 4.28% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 7.50% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 INION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.82% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 200 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $924 | — | $924 | 6.21% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD STE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.10% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.50% |
| HOWARD EATON3 | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 2.08% |
| BRANDON D. CAVINS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 1.97% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD CT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 1.23% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 1.04% |
| QUINTON J MILES3 | PO BOX 17163 MEMPHIS, TN 38187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.54% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 500 WEST SHORE BLVD. SUITE 1015 TAMPA, FL 33609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.47% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.25% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| JAMES S. GAINES3 | 8788 DEANWOOD CV GERMANTOWN, TN 38139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JAS D COLLIER & CO3 | 606 MENDENHALL RD STE 200 MEMPHIS, TN 38117 | MONUMENTAL LIFE INSURANCE COMPANY | $317 | — | $317 | 7.06% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $400 | — | $400 | 14.99% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 114 | $494K |
| Dental | DELTA DENTAL OF TENNESSEE | 245 | $91K |
| Vision | VISION SERVICE PLAN | 100 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $27K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.