| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD M MCKINLEY3 Filed as: RICHARD MCKINLEY | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNEESSEE, INC. | $34K | $0 | $34K | 5.63% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE, LLC | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 13.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $9K | $16K | $24K | 5.63% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE, LLC | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 20.02% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP., LLC | 1120 SANTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.78% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $20K | 12.62% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $255 | $0 | $255 | 0.16% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | ONE COMMERCE SQUARE, SUITE 280 MEMPHIS, TN 38103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNEESSEE, INC. | 549 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $161K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $161K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,259 | $368K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,259 | $207K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNEESSEE, INC. | 549 | $1.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,259 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.