| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.70% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.31% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - ARIZONA | 7310 N 16TH ST STE 226 PHOENIX, AZ 850208212 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.16% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH ST PHOENIX, AZ 850208212 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHEMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $304 | $6K | 15.52% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | RELIANCE STANDARD | $2K | $333 | $2K | 12.45% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | RELIANCE STANDARD | $2K | — | $2K | 9.38% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | RELIANCE STANDARD | $1K | $298 | $2K | 9.83% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | RELIANCE STANDARD | $1K | — | $1K | 6.90% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | RELIANCE STANDARD | $1K | $284 | $1K | 13.20% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | RELIANCE STANDARD | $1K | — | $1K | 9.33% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | RELIANCE STANDARD | $627 | $125 | $752 | 11.51% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | RELIANCE STANDARD | $680 | — | $680 | 10.41% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHEMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $110 | $1K | 24.91% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | EMPLOYERS DENTAL SERVICES | $331 | — | $331 | 7.17% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST PHOENIX, AZ 850205258 | EMPLOYERS DENTAL SERVICES | $110 | — | $110 | 2.38% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT STE 100 MEMPHIS, TN 381124416 | EMPLOYERS DENTAL SERVICES | $65 | — | $65 | 1.41% |
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) | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $790K |
| Dental | EMPLOYERS DENTAL SERVICES | 31 | $5K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $790K |
| Life insurance | RELIANCE STANDARD | 84 | $18K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 74 | $58K |
| Other(5 contracts, 2 carriers) | AFLAC | 84 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.