| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G MCALISTER3 Filed as: JAMES C WRIGHT | 2670 UNION AVENUE EXTEND SUITE #200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | $0 | $33K | 2.65% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | DELTA DENTAL OF TENNESSEE | $8K | $0 | $8K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 1.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 16.29% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 7.36% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.16% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 15.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.22% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | VISION SERVICE PLAN | $898 | $0 | $898 | 2.72% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD STE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 3.10% |
| JOHN LEMLEY3 | 4063 HWY 59 W COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 1.64% |
| CHARLES HARTHUN3 | 10396 SW 65TH TER OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 1.13% |
| JAS D COLLIER & CO | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $465 | — | $465 | 5.18% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 16.27% |
| GCG FINANCIAL LLC3 Filed as: ALEGA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $116 | $116 | 1.63% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $52 | $52 | 0.73% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $132 | $0 | $132 | 7.94% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 146 | $1.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 405 | $168K |
| Vision | VISION SERVICE PLAN | 195 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $47K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 353 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.