| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 Filed as: JAMES C WRIGHT | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $30K | — | $30K | 4.07% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 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 | $7K | — | $7K | 15.00% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $898 | $898 | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.32% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $863 | $863 | 2.00% |
| 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% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $542 | $542 | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 200 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $1K | — | $1K | 5.19% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD STE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.19% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.25% |
| JOHN LEMLEY3 | 4063 HGWY 59 W COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 2.99% |
| CHARLES HARTHUN3 | 10396 SW 65TH TER OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $389 | — | $389 | 2.22% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.71% |
| QUINTON J MILES3 | 130 N. SHELMORE BLVD. MT. PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.39% |
| BRANDON D. CAVINS3 | 70 WOODWIND COVE EADS, TN 38028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.37% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.32% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.24% |
| JAMES S. GAINES3 | 8788 DEANWOOD CV GERMANTOWN, TN 38139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.23% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.17% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JAS D COLLIER & CO3 | 606 MENDENHALL RD STE 200 MEMPHIS, TN 38117 | MONUMENTAL LIFE INSURANCE COMPANY | $615 | — | $615 | 7.81% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $541 | — | $541 | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $72 | $72 | 2.00% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 176 | $736K |
| Dental | DELTA DENTAL OF TENNESSEE | 413 | $142K |
| Vision | VISION SERVICE PLAN | 191 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $45K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $27K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.