| 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. | $58K | — | $58K | 3.65% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 0.45% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 15.00% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR, STE. 1 MEMPHIS, TN 38119 | USABLE LIFE | $5K | — | $5K | 13.50% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | USABLE LIFE | $511 | — | $511 | 1.50% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.50% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $160 | — | $160 | 1.50% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | USABLE LIFE | $1K | — | $1K | 13.50% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $757 | $178 | $935 | 10.50% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | USABLE LIFE | $134 | — | $134 | 1.50% |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.6M |
| Life insurance(2 contracts) | USABLE LIFE | 1,019 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $11K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.