| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | UNITED HEALTHCARE INSURANCE COMPANY | $34K | $132K | $166K | 2.64% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $16K | $76K | 12.72% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $24K | 12.84% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $31K | $2K | $33K | 21.09% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.50% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 12.78% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT # 100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.27% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR. SUITE 1 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.07% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $618 | $0 | $618 | 1.55% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD ST. SUITE 259 MEMPHIS, TN 33819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $372 | $0 | $372 | 0.93% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE NORWALK, IA 50211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.15% |
| QUINTON J MILES3 | 130 N. SHELMORE BLVD. MT. PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.14% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $342 | $0 | $342 | 3.01% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | $0 | $180 | 1.59% |
| SHERI L DUFFIN3 | 1686 VILLAGE RIDGE RD COLLIERVILLE, TN 38017 | AFLAC | $196 | $0 | $196 | 5.76% |
| MARK D TURNBOW3 | 2863 GOOSE CREEK DR, # 202 CORDOVA, TN 38016 | AFLAC | $119 | $0 | $119 | 3.50% |
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 | 569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,441 | $6.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,441 | $6.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,441 | $6.3M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 946 | $218K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 623 | $598K |
| Other(6 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 962 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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.