| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7905 PLAYERS FOREST DRIVE, STE. 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 2.81% |
| DORA DASILVA3 | 5628 HEATHER OAK DR ARLINGTON, TN 38002 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 0.48% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DRIVE, STE. 1 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 11.49% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 254 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $170K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $170K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $170K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 254 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.