| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD M MCKINLEY3 Filed as: RICHARD MCKINLEY | 2670 UNION AVE EXTD STE 200 MEMPHIS, TN 38112 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $22K | — | $22K | 3.85% |
| COLE HARRIS3 | 9648 KINGSTON PIKE STE 8 KNOXVILLE, TN 37922 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $10K | — | $10K | 1.82% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE LLC | 2670 UNION AVE EXTENDED MEMPHIS, TN 38112 | SYMETRA FINANCIAL | $52K | — | $52K | 9.82% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | $8K | $21K | $29K | 5.41% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE STE 200 MEMPHIS, TN 38112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 20.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS | 2670 UNION AVE EXT MEMPHIS, TN 38112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.54% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $370 | — | $370 | 0.18% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY | ONE COMMERCE SQUARE SUITE 280 MEMPHIS, TX 38103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.01% |
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 | 575 | 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) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 414 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $202K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 615 | $202K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $414K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $212K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.