| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $79K | $97K | 1.10% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $74K | $92K | 1.05% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INC LLC | 2670 UNION AVE EXT #100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $16K | $44K | 8.02% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.04% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.25% |
| ADMINWON LLC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.25% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT #100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $16K | 8.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.08% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $506 | $0 | $506 | 0.26% |
| ADMINWON LLC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $492 | $492 | 0.25% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVE EXTENDED STE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 19.91% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.76% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 EXT SUITE 200 FORT WORTH, TX 761010908 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXT #100 MEMPHIS, TN 381124416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $12K | 8.21% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.04% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 APHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $383 | $0 | $383 | 0.26% |
| ADMINWON LLC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $369 | $369 | 0.25% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INC LLC | 2670 UNION AVENUE EXT #100 MEMPHIS, TN 38112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.34% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.15% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | $0 | $176 | 0.24% |
| ADMINWON LLC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $172 | $172 | 0.24% |
| EDWIN W BARNETT3 | 7906 BRIARWIND ST MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.41% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 33819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335 | $0 | $335 | 1.22% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.74% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, ID 50211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.24% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | $0 | $163 | 2.34% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 1.48% |
| SHERI L DUFFIN3 | 1686 VILLAGE RIDGE DR COLLIERVILLE, TN 38017 | AFLAC | $213 | $0 | $213 | 6.26% |
| MARK D TURNBOW3 | 2863 GOOSE CREEK DR CORDOVA, TN 38016 | AFLAC | $130 | $0 | $130 | 3.82% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172 | $0 | $172 | 5.06% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 1.00% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 12.04% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $8.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $8.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $8.8M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $220K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 582 | $198K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $554K |
| Other(8 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 982 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.