| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS COMPANY | 2670 UNION AVENUE EXT SUITE 100 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 5.23% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 6.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 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 | 5.27% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 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 | $7K | — | $7K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $876 | $876 | 2.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 200 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $1K | — | $1K | 4.41% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD STE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.62% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.25% |
| JOHN LEMLEY3 | 4063 HGWY 59 W COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 3.27% |
| CHARLES HARTHUN3 | 10396 SW 65TH TER OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $670 | — | $670 | 3.02% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.34% |
| QUINTON J MILES3 | 130 N. SHELMORE BLVD. MT. PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.23% |
| BRANDON D. CAVINS3 | 70 WOODWIND COVE EADS, TN 38028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.17% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.15% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.13% |
| JAMES S. GAINES3 | 8788 DEANWOOD CV GERMANTOWN, TN 38139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JAS D COLLIER & CO3 | 606 MENDENHALL RD. STE 200 MEMPHIS, TN 38117 | MONUMENTAL LIFE INSURANCE COMPANY | $525 | — | $525 | 5.54% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $142 | $142 | 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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $911K |
| Dental | DELTA DENTAL OF TENNESSEE | 492 | $169K |
| Vision | VISION SERVICE PLAN | 234 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $44K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.