| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNETT BENEFITS LLC3 Filed as: BARNETT CORPORATE INSURERS | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 5.15% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.54% |
| BARNETT BENEFITS LLC3 Filed as: ED BARNETT | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 9.00% |
| DORA DASILVA3 Filed as: DORA DDASILVA | 5628 HEATHER OAK DR. LAKELAND, TN 38002 | DELTA DENTAL OF TENNESSEE | $594 | — | $594 | 1.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $6K | — | $6K | 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 | $554 | — | $554 | 1.50% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7905 PLAYERS FOREST DRIVE, STE. 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 13.10% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $211 | — | $211 | 1.46% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.49% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133 | — | $133 | 1.50% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | USABLE LIFE | $1K | — | $1K | 13.51% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $757 | $159 | $916 | 11.50% |
| DORA DASILVA3 | 3339 GALLER DRIVE MEMPHIS, TN 38125 | USABLE LIFE | $120 | — | $120 | 1.51% |
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 | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 329 | $59K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 742 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $9K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.