| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE. EXT SUITE 100 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $335K | $341K | 4.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1801 W END AVE STE 1400 NASHVILLE, TN 37203 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $9K | $37K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $8K | $33K | 5.42% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE. EXT SUITE 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.47% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE. EXT SUITE 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| BAKER BIRDWELL LLC3 | 5200 MARYLAND WAY, SUITE 302 BRENTWOOD, TN 370275072 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 8.49% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 381199171 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.95% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 381124416 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.64% |
| BARNETT BENEFITS LLC3 Filed as: THE BARNETT GROUP | 7906 PLAYERS FOREST DR MEMPHIS, TN 381199171 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1801 WEST END AVE STE 1500 NASHVILLE, TN 37203 | SYMETRA LIFE INSURANCE COMPANY | $29K | — | $29K | 21.56% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.46% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE. EXT SUITE 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.45% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE. EXT SUITE 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | — | $694 | 0.80% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.50% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | — | $337 | 2.55% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT EDWIN W | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 1.74% |
| INS CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE #204 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.84% |
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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,300 | $7.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,300 | $7.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,300 | $7.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 619 | $214K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 563 | $180K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 619 | $612K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,146 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.