| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYLER MCGLAUGHLIN3 | 2670 UNION AVENUE STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE | $17K | — | $17K | 4.59% |
| LEAN RAMSEY3 | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE | $4K | — | $4K | 1.19% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 100 MEMPHIS, TN 38112 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 11.46% |
| UCL FINANCIAL GROUP LLC3 | 1755 N KIRBY PKWY STE 300 MEMPHIS, TN 38120 | UNION SECURITY INSURANCE COMPANY | $727 | — | $727 | 1.40% |
| UCL FINANCIAL GROUP LLC3 Filed as: UCL FINANCIAL | 1755 N KIRBY PKWY MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.39% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5 | $1K | 3.96% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 3.37% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | $70 | $885 | 2.70% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $15 | $861 | 2.63% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 0.97% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.48% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S PURVIS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.17% |
| JAMES G MCALISTER3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE STE 200 MEMPHIS, TN 38112 | AMERITAS LIFE INSURANCE CORPORATION | $654 | — | $654 | 8.93% |
| UCL FINANCIAL GROUP LLC3 | 1755 KIRBY PKWY STE 300 MEMPHIS, TN 38120 | AMERITAS LIFE INSURANCE CORPORATION | $78 | — | $78 | 1.07% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 63 | $362K |
| Dental | UNION SECURITY INSURANCE COMPANY | 128 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 134 | $7K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 128 | $52K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 128 | $52K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 128 | $52K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.