| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYLER MCGLAUGHLIN3 | 2670 UNION AVENUE EXTENDED SUITE 100 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE | $16K | — | $16K | 4.41% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXTENDED SUITE 100 MEMPHIS, TN 38112 | UNION SECURITY INSURANCE COMPANY | $4K | $674 | $5K | 13.69% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES | 3725 CHAMPION HILLS SUITE 3300 MEMPHIS, TN 38125 | UNION SECURITY INSURANCE COMPANY | $337 | — | $337 | 0.96% |
| UCL FINANCIAL GROUP LLC3 | 1755 NORTH KIRBY PARKWAY MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $621 | — | $621 | 3.36% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $19 | $341 | 1.85% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $25 | $222 | 1.20% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 1.04% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO. 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.87% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $2 | $139 | 0.75% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVENUE EXTENDED MEMPHIS, TN 38112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| JAMES G MCALISTER3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVENUE EXTENDED SUITE 100 MEMPHIS, TN 38112 | AMERITAS LIFE INSURANCE CORP. | $484 | — | $484 | 8.50% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 57 | $356K |
| Dental | UNION SECURITY INSURANCE COMPANY | 97 | $35K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 105 | $6K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 97 | $35K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 97 | $35K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 97 | $35K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 97 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
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.