| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 5.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT. SUITE 100 MEMPHIS, TX 38112 | DELTAL DENTAL OF TENNESSEE | $10K | $0 | $10K | 6.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 13.96% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$49 | $2K | $2K | 1.86% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.95% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.69% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 13.85% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.85% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.62% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD. CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 3.13% |
| JOHN LEMLEY3 Filed as: JOHN LEMLY | 4063 HWY 59 W COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | $0 | $254 | 1.69% |
| CHARLES HARTHUN3 | 10396 SW 65TH TER OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 1.13% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.39% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & CO. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $530 | $0 | $530 | 5.66% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 13.91% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $155 | $155 | 1.85% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.1M |
| Dental | DELTAL DENTAL OF TENNESSEE | 445 | $166K |
| Vision | VISION SERVICE PLAN | 214 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $128K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $82K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 271 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.